BlastPoint's Banking Scorecard
Manufacturers and Traders Trust Company
Buffalo, NY
962 branches across NY · MD · PA · CT · NJ · MA · DE · VT · VA · NH · ME · DC · FL · WV
Manufacturers and Traders Trust Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 25.7% in tier
- - Deposit Outflow: Bottom 27.8% in tier
- - Efficiency Ratio 2.36% above tier average
- - Delinquency Rate 0.45% above tier average
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
|
+$167.2B |
$47.0B
-1.9% YoY
|
$19.3B
+17.3% YoY
|
$6.2B
+9.1% YoY
|
Top 3.6% in tier |
| Total Loans ? |
$137.9B
+4.1% YoY
+0.9% QoQ
|
+$108.5B |
$29.4B
-0.4% YoY
|
$8.1B
+14.6% YoY
|
$3.2B
+10.8% YoY
|
Top 2.9% in tier |
| Total Deposits ? |
$167.3B
-1.2% YoY
-2.5% QoQ
|
+$128.8B |
$38.4B
-1.6% YoY
|
$15.1B
+16.0% YoY
|
$4.8B
+8.2% YoY
|
Top 3.6% in tier |
| Return on Assets ? |
1.27%
+7.7% YoY
-9.3% QoQ
|
-0.01% |
1.28%
+18.7% YoY
|
0.86%
+14.3% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.83%
+2.0% YoY
-0.2% QoQ
|
+0.05% |
3.77%
+5.8% YoY
|
3.45%
+7.0% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
56.37%
-2.6% YoY
+5.6% QoQ
|
+2.36% |
54.01%
-3.7% YoY
|
69.17%
-3.6% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
1.46%
-3.8% YoY
+4.1% QoQ
|
+0.45% |
1.02%
-3.8% YoY
|
1.13%
+6.9% YoY
|
0.95%
+18.8% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
82.44%
+5.4% YoY
+3.4% QoQ
|
+1.65% |
80.79%
+1.9% YoY
|
77.98%
+0.4% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
28.25%
-4.6% YoY
+1.4% QoQ
|
+8.21% |
20.04%
+0.2% YoY
|
21.94%
+1.2% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.95%
-2.3% YoY
+4.3% QoQ
|
+0.23% |
0.72%
+4.2% YoY
|
0.73%
+4.5% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
11.98%
-3.8% YoY
-1.2% QoQ
|
-3.53% |
15.51%
-0.4% YoY
|
24.83%
+10.8% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.25%
+7.7% YoY
-75.2% QoQ
|
+0.03% |
0.22%
+0.3% YoY
|
0.21%
+9.1% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.