# DEPOSITORY TRUST CO
NEW YORK, NY · FDIC certificate 90544 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $11.00B | |
| Deposits | $0 | |
| Loans and leases | $0 | |
| Total equity | $1.01B | |
| Loans / deposits | 0.00% (p1 of band) | 85.78% |
| Liquid assets / assets | 98.31% (p100 of band) | |
| Uninsured deposits / deposits | – | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 8.92% (p56 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.84% (p93 of band) | 10.17% |
| Unrealized securities loss / equity | 0.00% (p96 of band) | -7.43% |
| AOCI / equity | 0.00% (p81 of band) | |
| ROA (annualized) | 1.18% (p41 of band) | 1.24% |
| Net interest margin | 0.48% (p5 of band) | 3.57% |
| Efficiency ratio | 80.36% (p98 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p6 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | – | |
| Employees | 1807 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 2 | assets shrinking |  |
| 2012-09 | 1 |  | assets shrinking |
| 2012-12 | 3 | capital falling, expense ratio p90 |  |
| 2013-03 | 3 | assets shrinking | capital falling |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | expense ratio p90 |
| 2014-03 | 1 |  | assets shrinking |
| 2014-06 | 1 |  |  |
| 2014-09 | 3 | expense ratio p90, assets shrinking |  |
| 2014-12 | 3 |  |  |
| 2015-03 | 2 |  | expense ratio p90 |
| 2015-06 | 2 | expense ratio p90 | assets shrinking |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 2 |  |  |
| 2016-06 | 3 | assets shrinking |  |
| 2016-09 | 3 | capital falling | assets shrinking |
| 2016-12 | 2 |  | capital falling |
| 2017-03 | 3 | assets shrinking |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | capital falling | assets shrinking |
| 2017-12 | 1 |  | expense ratio p90, capital falling |
| 2018-03 | 2 | expense ratio p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | assets shrinking |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 1 |  | expense ratio p90, assets shrinking |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | expense ratio p90 |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | assets shrinking |  |
| 2022-09 | 2 |  | assets shrinking |
| 2022-12 | 3 | assets shrinking |  |
| 2023-03 | 2 |  | expense ratio p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 | capital falling | assets shrinking |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | assets shrinking |  |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 2 | capital falling |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 3 | capital falling, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-06 [FinTech Five - Lowenstein's FinTech, Crypto, Trading & Markets Newsletter - May 5, 2026 - jdsupra.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOa24xRWZGOTRMYWthMFpod1RFQ2pnYXlud1h6N0xXRjlCTXlSMXlXaGNFbmZTcGhZVTFKdy1tbmRTeDg4bUdERGYwYUExOUxraWxCTGFSNFN6a282b205aEVpTzlNaEhzQ2VtYzd2bEJwbmJUdGUzS2FwWWJWWVFqS0V3?oc=5) · jdsupra.com
- 2024-01-10 [The Industry Needs Innovation. Could the ETF’s Story Be a Template? - Institutional Investor](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNbFJtQnQ1Q2hQNXd2WjRoWjVIRmhFMUtZWlo3R3pXUnlIcHMteTZ5bjdvNk1oQUExb2d5eU5oejJHUDA0TVg4UV9kYVlGaHYxN2NfLUZXOXRJeHp3VDdVVzcwSWxCUzRrZFVJTUhPLUJ0RXJBdEhIUGFfRDdJN20tanFoUEl3b2tvXzBjY3Jmc3Q4OHIyb1o4Z3FvVkZCYl94NlNsNWJXVnRjR1NiSXZMR2M5bm44NzRvRUZOS1o1YVNzU0RrR0djRWp4ZGtvWXVyaU9ZaHI0UQ?oc=5) · Institutional Investor
- 2022-09-19 [JOHN EVANS Obituary (2019) - Yarmouth, ME - New York Times - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQTWxMX3FrOGhua2pTTHVOUFNWeklpXy1ONHVpNFV5N09La0t4ZXVjMFkwMHBxZnRIazhuOHpldi05ODVrWDhWaEhRMEFvMVhVZmVEWVZKYUNHTHBBdU1qMjF0MF8xQWYtNGlQaGtzZDhBQm5hd2ltS1JEZnJsTUZ6NmdtcnprRmh1?oc=5) · legacy.com
- 1987-05-28 [Police and FBI agents foiled the Wall Street stickup... - upi.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPMVpLcUpPcGJTVG5EMVhvUi1RZ0FZVGwyV2ppNWg0ZzhZUVFxQzg0VUpOQVNuaDhNdnY5ajQzQzhWQWpTZEpWOXl4UmxHc1RhRFFEZDBpYS1lekU1a1ZYZ2NSNDlVQTd5U0h6TjFjNGp6YXQxZlBQdTRUTUZOWmQ5LUZpWUV1LXJMZVhxcFNKUVRveFNCQmZXYUdTZy0xQVFkNTh4RERneUZGdm_SAbABQVVfeXFMTTRHQXh3VGtwb2RVZUxzZHVBZXVMMmQxMEF0eGVYX3hKdDBwdFdYNWU2U1NqRnVJNFlQc0JXQU5QNjZvUE80Z2IycG5xOVgzYnZjVUNGZmpwVm13V3dVdklpcTRNemt0LXJqUk5IZ21sMng5bXhra2RqMWNsYnFhTTVMdXJhcmdGSW1ZQkZzajI3akpRY21xbE1LRzN6X2hTMnFCdzhkbU9RUnlITEc4MGw?oc=5) · upi.com
- 2022-09-02 [John J. Evans III Obituary (2022) - Lewiston, ME - Funeral Alternatives Group - Lewiston - legacy.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5DUkNWTHptWFVjeUNuZ1NFQThXaTUwTExIcmNhX3JpVkg2Yi1JcHFTcHNaZXF2Z2dyR25vOEw5MVVvdnJNeF9hRUFraGd6RlZBRWhHLXhkTU9UZ1R6RzV6eko1dXUwSXVka2tCZDR5Ry1USlRlZmxzWk84UENXUQ?oc=5) · legacy.com
- 2009-01-19 [Geithner – Treasury Nominee Failed to Halt Bond Scam - thekomisarscoop.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxQZ1hERDRpaTFJWFJnZVdSOWRMNUhrc25mRm5xSjZ0bmdDNmh0LVJ1dkRaNnFWLXJ2TXlPUVdRLUFFT0txX2xBNUlFdE1WWE0tam5lVGw2T2Z4M21Fd3pTUE9OekZhbGZGQUk1ZVAzSEtXQ3BaaHdsdERIdHh6Zi0tRDA4MDJDd0VZU3hxaEpiQ2U0VHJ6am1qQQ?oc=5) · thekomisarscoop.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90544 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/48.json (key "90544", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide