Manufacturers and Traders Trust Company: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Manufacturers and Traders Trust Company is the 21st-largest bank in the United States, with $218.8 billion in assets at June 30, 2026, up 3.7% from a year earlier. It is headquartered in Buffalo, New York, and operates 960 domestic branches. It holds commercial real estate loans worth 1.3 times its capital, higher than about three-quarters of the 14 banks with $100 billion to $250 billion in assets (median 0.9 times). On the other hand, it pays an average of 1.62% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.26%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.80% of loans, down from 1.13% a year earlier. Net income for the quarter rose 13% from a year earlier, to $831 million. Where it has less room is capital: it holds common equity equal to 11.81% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.29%).
As of June 30, 2026, Manufacturers and Traders Trust Company reported a CET1 capital ratio of 11.81%, a return on assets of 1.54%, a nonperforming-loan ratio of 1.35% and a Texas ratio of 5.32%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1 M And T Plz, Buffalo, NY 14203
- County
- Erie
- Metro Area
- Buffalo-Cheektowaga, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1856
- Offices
- 960 domestic
- Employees (FTE)
- 20,575
- Domestic deposits
- $172.30B
- Allowance for credit losses
- $2.17B
- Net charge-offs (YTD)
- $185.0M
- Average total assets
- $216.13B
- Average total loans
- $138.79B
- Average interest-bearing deposits
- $121.76B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 588
- Fed RSSD
- 501105
- SEC CIK
- 36270 → filed by M&T BANK CORPORATION
- Website
- www.mtb.com →
- Parent Holding Company
- M&T BANK CORPORATION (RSSD 1037003) · MTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rene F Jones | CEO | Chairman of the Board and CEO |
| Daryl N. Bible | CFO | Sr. EVP & CFO |
| Laura P. O'Hara | GC | Sr. EVP & Chief Legal Officer |
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.
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.
Inside the full Manufacturers and Traders Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Manufacturers and Traders Trust Company, freeManufacturers and Traders Trust Company rankings
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.
Metric pages for Manufacturers and Traders Trust Company: Uninsured deposits.
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 | 11.81% | 1.54% | 1.35% | 5.32% | 3.84% |
| Q1 2026 | 11.98% | 1.27% | 1.44% | 5.44% | 3.80% |
| Q4 2025 | 12.13% | 1.51% | 1.38% | 5.51% | 3.86% |
| Q3 2025 | 12.24% | 1.51% | 1.48% | 6.82% | 3.86% |
| Q2 2025 | 12.46% | 1.41% | 1.52% | 7.12% | 3.74% |
| Q1 2025 | 12.45% | 1.19% | 1.49% | 7.00% | 3.73% |
| Q4 2024 | 12.32% | 1.32% | 1.56% | 7.87% | 3.70% |
| Q3 2024 | 12.54% | 1.41% | 1.70% | 8.82% | 3.73% |
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 957 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Manufacturers and Traders Trust Company (main office) | Buffalo , NY | 14203 | $34.53B |
| Tenth and Market Street Branch | Wilmington , DE | 19801 | $10.91B |
| Light and Redwood Branch | Baltimore , MD | 21202 | $10.09B |
| Park Avenue Branch | New York , NY | 10172 | $4.06B |
| Bridgeport Center Branch | Bridgeport , CT | 06604 | $3.49B |
| Belmont Center Branch | Belmont , MA | 02478 | $3.28B |
| Castor Branch | Philadelphia , PA | 19149 | $2.90B |
| Rochester Downtown Branch | Rochester , NY | 14614 | $2.16B |
| Albany Branch | Albany , NY | 12207 | $1.77B |
| Two Burlington Square Branch | Burlington , VT | 05401 | $1.77B |
| West Hartford Center Branch | West Hartford , CT | 06107 | $1.75B |
| Nyack Branch | Nyack , NY | 10960 | $1.48B |
| New Jersey Commercial Banking Office | Saddle Brook , NJ | 07663 | $1.43B |
| Armory Square Branch | Syracuse , NY | 13202 | $1.34B |
| Severna Park Branch | Severna Park , MD | 21146 | $1.01B |
| West Shore Plaza Branch | Lemoyne , PA | 17043 | $944.3M |
| Coal Street Branch | Wilkes-Barre , PA | 18702 | $802.9M |
| 17th Street Branch | Altoona , PA | 16602 | $763.7M |
| K Street Branch | Washington , DC | 20006 | $683.8M |
| Oceanside Branch | Oceanside , NY | 11572 | $662.5M |
| Endicott Main Branch | Endicott , NY | 13760 | $565.1M |
| Queen Street Branch | York , PA | 17403 | $548.1M |
| Wells Branch | Wells , ME | 04090 | $545.1M |
| Southgate Plaza Branch | West Seneca , NY | 14224 | $520.5M |
| Vernon Branch | Vernon , CT | 06066 | $498.0M |
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 |
|---|---|---|---|
| October 1, 2025 | Structure Change | Acquired People's United Merchant Services Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2025 | Structure Change | Acquired M&T Capital and Leasing Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2025 | Structure Change | Acquired People's United Subsidiary Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 2022 | Structure Change | Acquired People's United Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 2, 2019 | Structure Change | Acquired Premier National Investment Company, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2015 | Structure Change | Acquired Hudson City Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Wilmington Trust Company Sale of Assets for the acquired bank | FFIEC NIC |
| May 16, 2011 | Structure Change | Acquired Wilmington Trust Company Sale of Assets for the acquired bank | FFIEC NIC |
| November 6, 2010 | Structure Change | Acquired K Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 5, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 29, 2009 | Structure Change | Acquired Bradford Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 28, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 23, 2009 | Structure Change | Acquired Provident Bank of Maryland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 23, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2009 | Structure Change | Acquired M&T Credit Services, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2007 | Structure Change | Acquired Partners Trust Municipal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2007 | Structure Change | Acquired M&T Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 4, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 4, 2003 | Structure Change | Acquired Allfirst Financial Center National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 14, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 14, 2003 | Structure Change | Acquired Allfirst Trust Company N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2003 | Structure Change | Acquired Allfirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2001 | Structure Change | Acquired Premier National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2000 | Structure Change | Acquired Keystone Financial Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 7, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1999 | Structure Change | Acquired First National Bank of Rochester Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1998 | Structure Change | Acquired Franklin First Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 24, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 24, 1997 | Structure Change | Acquired The East New York Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1994 | Structure Change | Acquired Citizens Savings Bank FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1992 | Structure Change | Acquired Endicott Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1992 | Structure Change | Acquired The First National Bank of Highland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1991 | Structure Change | Acquired Goldome Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 43 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Manufacturers and Traders 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
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action June 8, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.7% of deposits in NY, rank 8 of 180 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 42,493 applications, 23,446 loans originated, $7.39B originated, across 52 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2,438 loans, $271.1M approved, $111K average. 0.25% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 1,459 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. 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 and Traders Trust Company
What are Manufacturers and Traders Trust Company's total assets?
As of the Q2 2026 filing, Manufacturers and Traders Trust Company reported total assets of $218.79 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Manufacturers and Traders Trust Company headquartered?
Manufacturers and Traders Trust Company is headquartered in Buffalo, NY, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Manufacturers and Traders Trust Company founded?
Manufacturers and Traders Trust Company was established in 1856, per the FDIC institution directory.
Is Manufacturers and Traders Trust Company FDIC-insured?
Yes. Manufacturers and Traders Trust Company is an FDIC-insured commercial bank (FDIC Certificate #588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Manufacturers and Traders Trust Company?
Manufacturers and Traders Trust Company's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Manufacturers and Traders Trust Company's CET1 capital ratio?
Manufacturers and Traders Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 11.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does Manufacturers and Traders Trust Company operate?
Manufacturers and Traders Trust Company operates 960 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Manufacturers and Traders Trust Company's Texas Ratio?
Manufacturers and Traders Trust Company's Texas Ratio is 5.32% 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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