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Manufacturers and Traders Trust Company

$10B-$250B Specialty: Commercial NY FDIC cert 588

Buffalo, NY

959 branches across NY · MD · PA · CT · NJ · MA · DE · VT · VA · NH · ME · DC · FL · WV

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 139 banks in the $10B-$250B peer group nationwide — 1 of 10 in NY.
  • Deposits +2.3% year over year ($172.3B on the books).
  • Delinquency rate 1.37%.
  • Return on assets 1.40%.
  • Efficiency ratio 53.57% vs a 53.67% peer average.
  • Loan-to-deposit ratio 81.89% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 10 in NY
View $10B-$250B leaderboard (NY) →

Manufacturers and Traders Trust Company has 1 strength but faces 3 concerns

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

  • + Efficiency Ratio 0.10% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 37.1% in tier
  • - Net Interest Margin 0.08% below tier average
  • - Delinquency Rate 0.36% above tier average
Get updates when Manufacturers and Traders Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Total Assets ? $218.8B
+3.7% YoY +2.1% QoQ
+$175.2B $43.6B
-13.8% YoY
$19.3B
+10.2% YoY
$6.3B
+7.7% YoY
Top 1.4% in tier
Total Loans ? $141.1B
+5.3% YoY +2.3% QoQ
+$113.2B $28.0B
-8.6% YoY
$8.2B
+12.4% YoY
$3.2B
+9.4% YoY
Top 2.2% in tier
Total Deposits ? $172.3B
+2.3% YoY +3.0% QoQ
+$136.9B $35.4B
-14.0% YoY
$14.8B
+8.7% YoY
$4.9B
+7.3% YoY
Top 1.4% in tier
Return on Assets ? 1.40%
+8.6% YoY +10.3% QoQ
+0.01% 1.39%
+25.9% YoY
0.94%
+14.0% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 3.84%
+2.1% YoY +0.5% QoQ
-0.08% 3.92%
+8.9% YoY
3.52%
+6.2% YoY
3.95%
+4.9% YoY
66%
Efficiency Ratio ? 53.57%
-3.0% YoY -5.0% QoQ
-0.10% 53.67%
-1.9% YoY
67.96%
-1.8% YoY
70.05%
+2.5% YoY
57%
Delinquency Rate ? 1.37%
-11.1% YoY -6.2% QoQ
+0.36% 1.01%
-2.8% YoY
1.19%
+15.7% YoY
0.98%
+16.3% YoY
17%
Loan-to-Deposit Ratio ? 81.89%
+2.9% YoY -0.7% QoQ
-0.72% 82.61%
+3.1% YoY
79.34%
+1.1% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 28.80%
-0.5% YoY +2.0% QoQ
+8.22% 20.58%
+4.9% YoY
22.09%
+0.6% YoY
21.98%
-0.6% YoY
78%
Nonperforming Asset Ratio ? 0.89%
-10.1% YoY -6.2% QoQ
+0.16% 0.73%
+5.8% YoY
0.79%
+14.5% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 11.81%
-5.2% YoY -1.4% QoQ
-3.54% 15.35%
-0.4% YoY
23.90%
+5.3% YoY
17.09%
+0.8% YoY
18%
Non-Interest Income / Assets ? 0.52%
+6.4% YoY +107.0% QoQ
+0.03% 0.50%
+10.5% YoY
0.52%
+23.2% YoY
0.66%
+5.2% YoY
75%

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 (NY) National Avg Tier Percentile
Noninterest-Bearing 28.8%
-0.2pp YoY
+0.6pp QoQ
 +7.8pp 21.0% 22.1% 22.2% 76%
Brokered Deposits 4.3%
-2.0pp YoY
-1.1pp QoQ
 -4.9pp 9.2% 8.0% 8.5% 41%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
C&I 24.3%
-0.2pp YoY
-0.2pp QoQ
 +7.1pp 17.2% 11.0% 12.5% 80%
CRE 24.6%
-1.2pp YoY
+0.4pp QoQ
 -17.5pp 42.0% 46.2% 41.4% 18%
1-4 Family 21.5%
0.0pp YoY
-0.1pp QoQ
 -1.6pp 23.1% 36.6% 31.3% 46%
Consumer 15.3%
-0.1pp YoY
+0.2pp QoQ
 +2.4pp 12.9% 5.1% 5.0% 80%

Capital

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
CET1 Ratio 11.8%
-0.7pp YoY
-0.2pp QoQ
 -3.5pp 15.3% 26.1% 19.7% 19%
Leverage Ratio 9.5%
-0.2pp YoY
-0.1pp QoQ
 -0.9pp 10.4% 13.9% 12.6% 31%
Total Capital Ratio 13.9%
0.0pp YoY
+0.1pp QoQ
 -2.6pp 16.5% 27.2% 20.8% 37%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Full-Time Employees 20,575
-1013 (-4.7%) YoY
-217 (-1.0%) QoQ
 +17,317 3,258 914 482 99%
Assets per Employee ($) $10.6M
+8.8% YoY
+3.2% QoQ
 -$16.4M $27.0M $14.8M $8.8M 38%
Branch Count 960
-21 (-2.1%) YoY
-22 (-2.2%) QoQ
 +822 137 27 18 98%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.1pp YoY
0.0pp QoQ
 +0.1pp 0.4% 0.1% 0.4% 88%
Nonaccrual 0.9%
-0.3pp YoY
0.0pp QoQ
 +0.1pp 0.7% 1.3% 1.0% 70%
Allowance Coverage 1.12x
+5.8% YoY
+6.1% QoQ
 -1.69x 2.81x 1.92x 20.23x 24%
Net Charge-off Rate (YTD) 0.3%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.4% 0.1% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
ROE 10.7%
+1.0pp YoY
+1.1pp QoQ
 -1.9pp 12.6% 7.9% 11.6% 48%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 2.0% 1.8% 1.7% 26%
Net Income ($, YTD) $1.5B
+11.6% YoY
— QoQ
 +$1.2B $296.8M $111.2M $40.4M 98%

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)

Capital Thin

risk
#14 of 35 • Bottom 37.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.81%
(Tier: 15.35%, National: 17.09%)
worse than tier avg
35 of 35 Large banks match · 923 nationally
→ Stable | QoQ rank declining

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 139 peers in $10B-$250B

Top Strengths (4 metrics)

3
Total Assets
size
Value: $218.79B
Peer Median: $43.60B
#3 of 139 Top 1.4% in $10B-$250B
3
Total Deposits
size
Value: $172.32B
Peer Median: $35.42B
#3 of 139 Top 1.4% in $10B-$250B
4
Total Loans
size
Value: $141.12B
Peer Median: $27.97B
#4 of 139 Top 2.2% in $10B-$250B
32
Non-Interest-Bearing Deposit Share
funding
Value: 28.80%
Peer Median: 20.58%
#32 of 139 Top 22.3% in $10B-$250B

Top Weaknesses (3 metrics)

115
Delinquency Rate
credit_quality
Value: 1.37%
Peer Median: 1.01%
#115 of 138 Bottom 17.4% in $10B-$250B
115
Tier 1 Capital Ratio
capital
Value: 11.81%
Peer Median: 15.35%
#115 of 139 Bottom 18.0% in $10B-$250B
114
Nonperforming Asset Ratio
credit_quality
Value: 0.89%
Peer Median: 0.73%
#114 of 139 Bottom 18.7% in $10B-$250B
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