Manufacturers Bank & Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Problem loans are rising at Manufacturers Bank & Trust Company. Based in Forest City, Iowa, it had $738 million in assets at June 30, 2026, up 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.91% of loans from 0.50% a year earlier. It grew its loan book 0.6% over the year, a small fraction of the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $6.3 million equal 8% of Tier 1 capital, down from 13% a year earlier.
As of June 30, 2026, Manufacturers Bank & Trust Company reported a CET1 capital ratio of 12.88%, a return on assets of 1.48%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 6.06%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 245 E J St, Forest City, IA 50436
- County
- Winnebago
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- September 1, 1945
- Offices
- 9 domestic
- Employees (FTE)
- 117
- Domestic deposits
- $640.4M
- Allowance for credit losses
- $7.9M
- Net charge-offs (YTD)
- -$6K
- Average total assets
- $735.1M
- Average total loans
- $514.4M
- Average interest-bearing deposits
- $514.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 1, 1945
- FDIC Cert
- 16307
- Fed RSSD
- 215345
- Website
- www.mbtbank.bank →
- Parent Holding Company
- MBT CORP. (RSSD 2269977)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.88% | 1.48% | 0.94% | 6.06% | 3.80% |
| Q1 2026 | 12.77% | 1.16% | 0.72% | 4.64% | 3.71% |
| Q4 2025 | 12.89% | 1.35% | 0.53% | 3.38% | 3.66% |
| Q3 2025 | 13.05% | 1.20% | 1.69% | 10.97% | 3.55% |
| Q2 2025 | 12.73% | 1.41% | 0.58% | 3.64% | 3.55% |
| Q1 2025 | 12.24% | 0.94% | 0.75% | 5.78% | 3.18% |
| Q4 2024 | 11.99% | 0.87% | 0.83% | 6.77% | 3.01% |
| Q3 2024 | 11.91% | 1.07% | 0.65% | 5.21% | 3.09% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 9 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Manufacturers Bank & Trust Company (main office) | Forest City , IA | 50436 | $205.2M |
| Lake Mills Branch | Lake Mills , IA | 50450 | $77.1M |
| Blooming Prairie Branch | Blooming Prairie , MN | 55917 | $74.3M |
| Clear Lake Branch New | Clear Lake , IA | 50428 | $69.4M |
| Hayfield Branch | Hayfield , MN | 55940 | $63.5M |
| Dodge Center Branch | Dodge Center , MN | 55927 | $47.6M |
| Austin Branch | Austin , MN | 55912 | $35.6M |
| Mantorville Branch | Mantorville , MN | 55955 | $35.0M |
| Rochester #2 Branch | Rochester , MN | 55901 | $32.8M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 18, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 18, 2021 | Structure Change | Acquired Citizens State Bank of Hayfield Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 17, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
What the public regulatory sources show for Manufacturers Bank & Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in IA, rank 83 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 257 applications, 224 loans originated, $43.5M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Manufacturers Bank & Trust Company
What are Manufacturers Bank & Trust Company's total assets?
As of the Q2 2026 filing, Manufacturers Bank & Trust Company reported total assets of $738.2 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Manufacturers Bank & Trust Company headquartered?
Manufacturers Bank & Trust Company is headquartered in Forest City, IA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Manufacturers Bank & Trust Company founded?
Manufacturers Bank & Trust Company was established in 1945, per the FDIC institution directory.
Is Manufacturers Bank & Trust Company FDIC-insured?
Yes. Manufacturers Bank & Trust Company is an FDIC-insured commercial bank (FDIC Certificate #16307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Manufacturers Bank & Trust Company?
Manufacturers Bank & Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Manufacturers Bank & Trust Company's CET1 capital ratio?
Manufacturers Bank & Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.88% in its Q2 2026 call report, above regulatory requirements.
How many branches does Manufacturers Bank & Trust Company operate?
Manufacturers Bank & Trust Company operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Manufacturers Bank & Trust Company's Texas Ratio?
Manufacturers Bank & Trust Company's Texas Ratio is 6.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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