Bank Comparison
Manufacturers and Traders Trust Company vs Citizens Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 8
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Manufacturers and Traders Trust Company | Citizens Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.98% | 12.12% |
| Tier 1 Capital Ratio | 11.98% | 12.12% |
| Total Capital Ratio | 13.75% | 13.98% |
| Tier 1 Leverage Ratio | 9.58% | 9.61% |
| Equity / Assets | 13.15% | 11.73% |
Profitability
| Metric | Manufacturers and Traders Trust Company | Citizens Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.27% | 0.95% |
| Return on Equity (ROE) | 9.61% | 7.98% |
| Net Interest Margin (NIM) | 3.80% | 3.18% |
| Yield on Earning Assets | 5.29% | 4.81% |
| Cost of Funds | 1.59% | 1.67% |
Asset quality
| Metric | Manufacturers and Traders Trust Company | Citizens Bank, N.A. |
|---|---|---|
| Texas Ratio | 13.58% | 16.66% |
| Non-Performing Loan Ratio | 1.54% | 1.90% |
| Non-Performing Asset Ratio | 1.02% | 1.23% |
| Net Charge-Off Ratio | 0.31% | 0.38% |
| ACL / Loans | 1.52% | 1.35% |
Balance sheet
| Metric | Manufacturers and Traders Trust Company | Citizens Bank, N.A. |
|---|---|---|
| Total Assets | $214,201M | $227,134M |
| Total Deposits | $167,256M | $186,851M |
| Total Loans | $140,021M | $145,521M |
| Total Equity | $28,171M | $26,651M |
| Net Income (quarter) | $679,000K | $533,380K |
Liquidity & funding
| Metric | Manufacturers and Traders Trust Company | Citizens Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 83.72% | 77.88% |
| Core Deposit Ratio | 98.36% | 96.42% |
| Uninsured Deposit Ratio | 49.21% | 46.65% |
Identity
| Metric | Manufacturers and Traders Trust Company | Citizens Bank, N.A. |
|---|---|---|
| Headquarters City | BUFFALO | PROVIDENCE |
| Headquarters State | NY | RI |
| Asset Tier | National | National |
| Charter Class | 0 | 24571 |
| Regulator | FED | OCC |
| Domestic Branches | 986 | 977 |
| Employees (FTE) | 20,792 | 17,016 |
| Established | Jan. 1, 1856, midnight | May 13, 2005, 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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