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Manhattan Bank

$100M-$1B Specialty: Other MT FDIC cert 11823

Manhattan, MT

4 branches across MT

2664 banks in the $100M-$1B peer group nationally 22 in MT
View $100M-$1B leaderboard (MT) →

Manhattan Bank has 2 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 27.4% in tier
  • + Efficiency Ratio 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.13% below tier average
Get updates when Manhattan Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Total Assets ? $279.5M
+1.5% YoY +1.8% QoQ
-$106.5M $386.1M
+0.5% YoY
$2.2B
+7.4% YoY
$6.2B
+9.1% YoY
42%
Total Loans ? $164.7M
+1.8% YoY +0.3% QoQ
-$91.0M $255.7M
+1.1% YoY
$1.4B
+7.1% YoY
$3.2B
+10.8% YoY
40%
Total Deposits ? $246.0M
+1.1% YoY +2.7% QoQ
-$81.9M $328.0M
+0.1% YoY
$1.8B
+10.6% YoY
$4.8B
+8.2% YoY
44%
Return on Assets ? 1.31%
-0.2% YoY -6.0% QoQ
+0.04% 1.27%
+12.9% YoY
1.68%
+0.0% YoY
1.23%
+13.4% YoY
56%
Net Interest Margin ? 3.80%
+1.7% YoY -1.2% QoQ
-0.13% 3.93%
+6.0% YoY
4.10%
+5.6% YoY
3.89%
+5.7% YoY
46%
Efficiency Ratio ? 64.51%
+1.3% YoY +2.7% QoQ
-0.78% 65.29%
-4.5% YoY
58.72%
-5.9% YoY
66.95%
-4.1% YoY
46%
Delinquency Rate ? 0.02%
-40.1% YoY -55.5% QoQ
-0.87% 0.89%
+18.8% YoY
1.39%
+43.4% YoY
0.95%
+18.8% YoY
Top 14.8% in tier
Loan-to-Deposit Ratio ? 66.93%
+0.7% YoY -2.3% QoQ
-9.70% 76.64%
+0.8% YoY
68.91%
-1.7% YoY
76.70%
+0.9% YoY
72%
Non-Interest-Bearing Deposit Share ? 31.55%
+6.4% YoY -1.5% QoQ
+9.53% 22.02%
-1.0% YoY
25.97%
-2.2% YoY
22.01%
-1.2% YoY
Top 14.6% in tier
Nonperforming Asset Ratio ? 0.01%
-39.9% YoY -56.1% QoQ
-0.63% 0.64%
+19.7% YoY
0.81%
+60.9% YoY
0.67%
+19.3% YoY
Top 13.7% in tier
Tier 1 Capital Ratio ? 16.56%
+4.0% YoY +0.7% QoQ
+0.73% 15.83%
+1.5% YoY
19.61%
+1.4% YoY
17.06%
+0.8% YoY
75%
Non-Interest Income / Assets ? 0.07%
-0.5% YoY -77.2% QoQ
-0.21% 0.28%
+9.3% YoY
0.88%
+6.9% YoY
0.32%
+4.1% YoY
30%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#183 of 664 • Top 27.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.02%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

365
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.64%
#365 of 2664 Top 13.7% in $100M-$1B
390
Non-Interest-Bearing Deposit Share
funding
Value: 31.55%
Peer Median: 22.02%
#390 of 2664 Top 14.6% in $100M-$1B
395
Delinquency Rate
credit_quality
Value: 0.02%
Peer Median: 0.89%
#395 of 2654 Top 14.8% in $100M-$1B
664
Tier 1 Capital Ratio
capital
Value: 16.56%
Peer Median: 15.83%
#664 of 2664 Top 24.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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