BlastPoint's Banking Scorecard

Manufacturers and Traders Trust Company

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

Buffalo, NY

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

135 banks in the $10B-$250B peer group nationally 11 in NY

Manufacturers and Traders Trust Company has 1 strength but faces 4 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

+ Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 26.5% in tier
- Deposit Outflow: Bottom 29.4% in tier
- Efficiency Ratio 2.46% above tier average
- Delinquency Rate 0.44% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$214.2B +2.1% YoY +0.6% QoQ	+$166.8B	$47.4B -2.0% YoY	$19.3B +16.2% YoY	$6.2B +9.0% YoY	Top 3.7% in tier
Total Loans ?	$137.9B +4.1% YoY +0.9% QoQ	+$108.3B	$29.6B -0.4% YoY	$8.1B +13.6% YoY	$3.2B +10.7% YoY	Top 3.0% in tier
Total Deposits ?	$167.3B -1.2% YoY -2.5% QoQ	+$128.5B	$38.7B -1.6% YoY	$15.1B +14.9% YoY	$4.8B +8.0% YoY	Top 3.7% in tier
Return on Assets ?	1.27% +7.7% YoY -9.3% QoQ	-0.01%	1.28% +19.3% YoY	0.86% +11.9% YoY	1.24% +13.1% YoY	57%
Net Interest Margin ?	3.83% +2.0% YoY -0.2% QoQ	+0.06%	3.77% +5.6% YoY	3.45% +6.7% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	56.37% -2.6% YoY +5.6% QoQ	+2.46%	53.90% -4.0% YoY	69.17% -2.9% YoY	66.84% -3.8% YoY	44%
Delinquency Rate ?	1.46% -3.8% YoY +4.1% QoQ	+0.44%	1.02% -4.1% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	82.44% +5.4% YoY +3.4% QoQ	+1.56%	80.88% +2.0% YoY	77.98% +0.6% YoY	76.69% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	28.25% -4.6% YoY +1.4% QoQ	+8.42%	19.82% +0.3% YoY	21.94% +0.9% YoY	22.01% -1.1% YoY	76%
Nonperforming Asset Ratio ?	0.95% -2.3% YoY +4.3% QoQ	+0.23%	0.73% +4.0% YoY	0.73% +4.7% YoY	0.66% +19.3% YoY	18%
Tier 1 Capital Ratio ?	11.98% -3.8% YoY -1.2% QoQ	-3.58%	15.56% -0.1% YoY	24.83% +10.3% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.25% +7.7% YoY -75.2% QoQ	+0.03%	0.23% +0.9% YoY	0.21% +8.5% YoY	0.32% +4.0% YoY	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Capital Thin

risk

#10 of 34 • Bottom 26.5% 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: 11.98%

(Tier: 15.56%, National: 17.06%)

worse than tier avg

34 of 34 Large banks match · 925 nationally

→ Stable +3 banks QoQ

Deposit Outflow

decline

#6 of 17 • Bottom 29.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

17 of 17 Large banks match · 655 nationally

→ Stable -6 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).

Compare against:

Comparing against 135 peers in $10B-$250B

Top Strengths (5 metrics)

Total Loans

size

Value: $137.89B

Peer Median: $29.62B

#5 of 135 Top 3.0% in $10B-$250B

Total Assets

size

Value: $214.20B

Peer Median: $47.36B

#6 of 135 Top 3.7% in $10B-$250B

Total Deposits

size

Value: $167.26B

Peer Median: $38.75B

#6 of 135 Top 3.7% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 28.25%

Peer Median: 19.82%

#34 of 135 Top 24.4% in $10B-$250B

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.23%

#34 of 135 Top 24.4% in $10B-$250B

Top Weaknesses (3 metrics)

114

Delinquency Rate

credit_quality

Value: 1.46%

Peer Median: 1.02%

#114 of 134 Bottom 15.7% in $10B-$250B

112

Nonperforming Asset Ratio

credit_quality

Value: 0.95%

Peer Median: 0.73%

#112 of 135 Bottom 17.8% in $10B-$250B

107

Tier 1 Capital Ratio

capital

Value: 11.98%

Peer Median: 15.56%

#107 of 135 Bottom 21.5% in $10B-$250B