Final answer:
Trust examiners assess the risk of fiduciary institutions and the individual accounts they manage, similar to how bank examiners from agencies like the FDIC review banks' balance sheets.
Step-by-step explanation:
Trust examiners indeed play a crucial role in assessing the risk associated with fiduciary institutions and the individual accounts that these institutions manage.
Drawing from the role of bank examiners, as outlined by Bank Supervision protocols, these professionals evaluate the financial health and risk levels of banks and other financial institutions.
Just as bank examiners from the FDIC (Federal Deposit Insurance Corporation) assess the risk by looking at the assets and liabilities on banks' balance sheets, trust examiners similarly review the balance sheets of fiduciary institutions to ensure they are not engaging in excessively risky behavior and have a positive net worth.