Bank Comparison
Manufacturers and Traders Trust Company vs American Express National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Manufacturers and Traders Trust Company | American Express National Bank |
|---|---|---|
| CET1 Ratio | 11.98% | 10.96% |
| Tier 1 Capital Ratio | 11.98% | 10.96% |
| Total Capital Ratio | 13.75% | 13.10% |
| Tier 1 Leverage Ratio | 9.58% | 8.71% |
| Equity / Assets | 13.15% | 8.74% |
Profitability
| Metric | Manufacturers and Traders Trust Company | American Express National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 3.67% |
| Return on Equity (ROE) | 9.61% | 42.14% |
| Net Interest Margin (NIM) | 3.80% | 8.17% |
| Yield on Earning Assets | 5.29% | 11.15% |
| Cost of Funds | 1.59% | 3.50% |
Asset quality
| Metric | Manufacturers and Traders Trust Company | American Express National Bank |
|---|---|---|
| Texas Ratio | 13.58% | 16.65% |
| Non-Performing Loan Ratio | 1.54% | 2.12% |
| Non-Performing Asset Ratio | 1.02% | 1.65% |
| Net Charge-Off Ratio | 0.31% | 2.50% |
| ACL / Loans | 1.52% | 3.43% |
Balance sheet
| Metric | Manufacturers and Traders Trust Company | American Express National Bank |
|---|---|---|
| Total Assets | $214,201M | $217,568M |
| Total Deposits | $167,256M | $173,984M |
| Total Loans | $140,021M | $168,872M |
| Total Equity | $28,171M | $19,007M |
| Net Income (quarter) | $679,000K | $2,002M |
Liquidity & funding
| Metric | Manufacturers and Traders Trust Company | American Express National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 83.72% | 97.06% |
| Core Deposit Ratio | 98.36% | 98.64% |
| Uninsured Deposit Ratio | 49.21% | 19.15% |
Identity
| Metric | Manufacturers and Traders Trust Company | American Express National Bank |
|---|---|---|
| Headquarters City | BUFFALO | SANDY |
| Headquarters State | NY | UT |
| Asset Tier | National | National |
| Charter Class | 0 | 25151 |
| Regulator | FED | OCC |
| Domestic Branches | 986 | 1 |
| Employees (FTE) | 20,792 | 2,522 |
| Established | Jan. 1, 1856, midnight | March 20, 1989, 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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