Bank Comparison
First-citizens Bank & Trust Company vs Manufacturers and Traders Trust Company
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | First-citizens Bank & Trust Company | Manufacturers and Traders Trust Company |
|---|---|---|
| CET1 Ratio | 12.59% | 11.98% |
| Tier 1 Capital Ratio | 12.59% | 11.98% |
| Total Capital Ratio | 13.59% | 13.75% |
| Tier 1 Leverage Ratio | 9.93% | 9.58% |
| Equity / Assets | 9.97% | 13.15% |
Profitability
| Metric | First-citizens Bank & Trust Company | Manufacturers and Traders Trust Company |
|---|---|---|
| Return on Assets (ROA) | 0.96% | 1.27% |
| Return on Equity (ROE) | 9.55% | 9.61% |
| Net Interest Margin (NIM) | 3.09% | 3.80% |
| Yield on Earning Assets | 5.22% | 5.29% |
| Cost of Funds | 2.28% | 1.59% |
Asset quality
| Metric | First-citizens Bank & Trust Company | Manufacturers and Traders Trust Company |
|---|---|---|
| Texas Ratio | 9.92% | 13.58% |
| Non-Performing Loan Ratio | 1.39% | 1.54% |
| Non-Performing Asset Ratio | 0.93% | 1.02% |
| Net Charge-Off Ratio | 0.30% | 0.31% |
| ACL / Loans | 1.04% | 1.52% |
Balance sheet
| Metric | First-citizens Bank & Trust Company | Manufacturers and Traders Trust Company |
|---|---|---|
| Total Assets | $235,521M | $214,201M |
| Total Deposits | $171,449M | $167,256M |
| Total Loans | $149,811M | $140,021M |
| Total Equity | $23,476M | $28,171M |
| Net Income (quarter) | $559,000K | $679,000K |
Liquidity & funding
| Metric | First-citizens Bank & Trust Company | Manufacturers and Traders Trust Company |
|---|---|---|
| Loan-to-Deposit Ratio | 87.38% | 83.72% |
| Core Deposit Ratio | 98.11% | 98.36% |
| Uninsured Deposit Ratio | 38.17% | 49.21% |
Identity
| Metric | First-citizens Bank & Trust Company | Manufacturers and Traders Trust Company |
|---|---|---|
| Headquarters City | RALEIGH | BUFFALO |
| Headquarters State | NC | NY |
| Asset Tier | National | National |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 518 | 986 |
| Employees (FTE) | 18,173 | 20,792 |
| Established | Jan. 1, 1898, midnight | Jan. 1, 1856, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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