The Association of Court Ordered and Monitored Trusts and Accounts, Inc. (ACOMTA), (a 501(c)(3) tax-exempt, nonprofit corporation whose mission it is to assist the Courts through education, and facilitate related solutions) sponsors the national Clerks, Commissioners and Court Blocked and Restricted Account Trust (C3BR).
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ACOMTA, through its trust administration partner, has assembled a proprietary nationwide FDIC banking network to custody the assets and provide FDIC insured protection up to $125,000,000 per beneficiary/claimant.

Most importantly, only banks that are classified as “Well Capitalized” (as defined by the FDIC) are eligible for inclusion.
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The FDIC, in determining capitalization status, takes into account four main ratios: Leverage Ratio, Common Equity Tier 1 Capital Ratio, Tier 1 Capital Ratio and Total Risk-Based Capital Ratio. Together these ratios provide insight into a particular bank’s ability to withstand economic adversity.

Additionally, all banks within the network are actively screened on an ongoing basis to ensure that each meets the credit quality standards of the program. The CAMEL analysis, third party ratings, and BENCH Scores are tools used to assess each bank’s credit profile. The purpose of this screening process is to provide an additional layer of security, which not only supplements the complete FDIC insurance coverage provided on all deposits, but serves to mitigate the potential for banks failure within the program, thus guarding against a failure’s potential impact on deposit liquidity and yield.