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Manufacturers Bank & Trust Company

$100M-$1B Specialty: Agricultural IA FDIC cert 16307

Forest City, IA

9 branches across MN · IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +2.1% year over year ($640.4M on the books).
  • Delinquency rate 0.96%.
  • Return on assets 1.31%.
  • Efficiency ratio 65.67% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Manufacturers Bank & Trust Company faces 3 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 13.6% in tier
  • - Net Interest Margin 0.32% below tier average
  • - Efficiency Ratio 1.20% above tier average
Get updates when Manufacturers Bank & Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $738.2M
+1.5% YoY +1.4% QoQ
+$351.6M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Top 10.6% in tier
Total Loans ? $508.1M
+0.5% YoY +0.5% QoQ
+$249.8M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 10.8% in tier
Total Deposits ? $640.4M
+2.1% YoY +1.6% QoQ
+$313.7M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Top 10.0% in tier
Return on Assets ? 1.31%
+11.6% YoY +13.8% QoQ
-0.01% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
54%
Net Interest Margin ? 3.66%
+9.4% YoY +1.2% QoQ
-0.32% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
35%
Efficiency Ratio ? 65.67%
-0.3% YoY -6.1% QoQ
+1.20% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.96%
+64.0% YoY +31.5% QoQ
+0.04% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
30%
Loan-to-Deposit Ratio ? 79.34%
-1.6% YoY -1.1% QoQ
+1.39% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 19.51%
-0.6% YoY +7.2% QoQ
-2.52% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
43%
Nonperforming Asset Ratio ? 0.66%
+62.4% YoY +30.4% QoQ
-0.01% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
32%
Tier 1 Capital Ratio ? 12.88%
+1.1% YoY +0.8% QoQ
-3.03% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
46%
Non-Interest Income / Assets ? 0.39%
+1.3% YoY +106.6% QoQ
-0.18% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 19.5%
-0.1pp YoY
+1.3pp QoQ
 -2.6pp 22.1% 17.8% 22.2% 43%
Brokered Deposits 3.0%
-0.2pp YoY
-0.4pp QoQ
 -4.9pp 7.9% 6.0% 8.5% 38%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 18.7%
+1.9pp YoY
+1.5pp QoQ
 +7.1pp 11.6% 12.8% 12.5% 86%
CRE 32.2%
+0.9pp YoY
-0.6pp QoQ
 -7.4pp 39.5% 28.3% 41.4% 38%
1-4 Family 21.1%
+0.6pp YoY
+0.1pp QoQ
 -11.6pp 32.6% 23.0% 31.3% 32%
Consumer 2.0%
-0.8pp YoY
-0.1pp QoQ
 -2.1pp 4.1% 2.9% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 12.9%
+0.2pp YoY
+0.1pp QoQ
 -5.9pp 18.8% 15.4% 19.7% 26%
Leverage Ratio 10.4%
+0.4pp YoY
+0.1pp QoQ
 -1.7pp 12.2% 12.4% 12.6% 40%
Total Capital Ratio 14.1%
+0.1pp YoY
+0.1pp QoQ
 -5.8pp 19.9% 16.5% 20.8% 27%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 117
0 YoY
+3 (+2.6%) QoQ
 +58 58 64 482 92%
Assets per Employee ($) $6.3M
+1.5% YoY
-1.2% QoQ
 -$1.2M $7.5M $8.9M $8.8M 39%
Branch Count 9
0 YoY
0 QoQ
 +4 4 5 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 70%
Nonaccrual 0.7%
+0.5pp YoY
+0.2pp QoQ
 -0.2pp 0.9% 1.0% 1.0% 63%
Allowance Coverage 1.62x
-33.5% YoY
-22.0% QoQ
 -22.54x 24.15x 18.97x 20.23x 41%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 23%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 12.2%
0.0pp YoY
+1.5pp QoQ
 0.0pp 12.2% 12.8% 11.6% 51%
Cost of Funds (YTD) 1.7%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 49%
Net Income ($, YTD) $4.8M
+11.5% YoY
— QoQ
 +$2.3M $2.6M $4.0M $40.4M 86%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#128 of 936 • Bottom 13.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

265
Total Deposits
size
Value: $640.41M
Peer Median: $326.73M
#265 of 2643 Top 10.0% in $100M-$1B
282
Total Assets
size
Value: $738.18M
Peer Median: $386.57M
#282 of 2643 Top 10.6% in $100M-$1B
286
Total Loans
size
Value: $508.13M
Peer Median: $258.35M
#286 of 2643 Top 10.8% in $100M-$1B
423
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#423 of 2643 Top 16.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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