MANUFACTURERS AND TRADERS TRUST COMPANY

BUFFALO, NY | National | Est. Jan. 1, 1856, midnight | FDIC #588 | RSSD #501105 | FED
Latest Report: 2025-12-31

MANUFACTURERS AND TRADERS TRUST COMPANY is ann national FDIC-insured commercial bank headquartered in BUFFALO, NY, established in Jan. 1, 1856, midnight. As of 2025-12-31, the bank reported total assets of $212.9B and total deposits of $171.5B. Profitability stands at 1.51% ROA and 11.30% ROE, with a net interest margin of 3.79%. The bank's CET1 capital ratio is 12.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.90% and a Texas Ratio of 4.18%. FDIC Certificate #588.

Assets

$212.9B

Deposits

$171.5B

Loans

$138.8B

Equity

$28.3B

Profitability

Return on Assets (ROA) 1.51%
Return on Equity (ROE) 11.30%
Net Interest Margin (NIM) 3.79%
Yield on Assets 5.41%
Cost of Funds 4.33%

Asset Quality

NPL Ratio 0.90%
Net Charge-Off Ratio 0.40%
Texas Ratio 4.18%
NPA Ratio 0.60%
ACL / Loans 1.52%

Capital & Liquidity

CET1 Ratio 12.13%
Tier 1 Capital 12.13%
Total Capital Ratio 13.91%
Leverage Ratio 9.59%
Loan-to-Deposit 80.93%

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