BanksMANUFACTURERS AND TRADERS TRUST COMPANY

MANUFACTURERS AND TRADERS TRUST COMPANY

BUFFALO, NYNationalEst. Jan. 1, 1856, midnightFDIC #588RSSD #501105FED
Latest · 2025-12-31

MANUFACTURERS AND TRADERS TRUST COMPANY is an 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%. CET1 capital ratio: 12.13%, well above regulatory minimums. NPL ratio: 0.90% · Texas Ratio: 4.18%. Operates 979 domestic branches.

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 Margin3.79%
Yield on Assets5.41%
Cost of Funds1.77%

Asset Quality

NPL Ratio0.90%
Net Charge-Off Ratio0.40%
Texas Ratio4.18%
NPA Ratio0.60%
ACL / Loans1.52%

Capital & Liquidity

CET1 Ratio12.13%
Tier 1 Capital12.13%
Total Capital Ratio13.91%
Leverage Ratio9.59%
Loan-to-Deposit80.93%

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