Manhattan Bank
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Data as of · sourced from FFIEC call reports. How we update
Manhattan Bank is an FDIC-insured commercial bank headquartered in Manhattan, MT, established in 1905 (FDIC certificate 11823), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $287.1M, up 8.7% from Q2 2025, the 15th largest of 35 banks headquartered in Montana. Its CET1 capital ratio was 17.25% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11823
- Headquarters
- Manhattan, MT
- Established
- 1905
- Total assets, Q2 2026
- $287.1M
- Assets vs Q2 2025
- +8.7%
- CET1 ratio, Q2 2026
- 17.25%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 092902132
- Holding company
- MSB FINANCIAL, INC.
- Asset rank in state
- 15th of 35 in Montana
Problem loans are rising at Manhattan Bank. It reported $287 million in assets at June 30, 2026, up 8.7% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.35% of loans from 0.02% a year earlier. It returns 18.1% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). It also grew deposits 9.0% over the year, about double the median of 4.0% for banks its size.
Net income for the quarter rose 18% from a year earlier, to $1.1 million. Over the same year, loans grew 0.6% and deposits grew 9.0%.
As of June 30, 2026, Manhattan Bank reported a CET1 capital ratio of 17.25%, a return on assets of 1.47%, a nonperforming-loan ratio of 0.35% and a Texas ratio of 2.09%. The figures come from its call report filed with the FFIEC.
Manhattan Bank ranks as the 15th largest of the 35 banks based in Montana, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $287.1M, loans fell 3.3% and deposits rose 2.7%. 1-4 family residential loans made up 37.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 13.9%. Its 4 offices in the FDIC Summary of Deposits are in Manhattan, MT, Three Forks, MT and Bozeman, MT; its Manhattan 2 offices book 66% of its branch deposits. On its Q2 2026 call report, Manhattan Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 124 S Broadway St, Manhattan, MT 59741
- County
- Gallatin
- Metro Area
- Bozeman, MT
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 5, 1905
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $252.7M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $56K
- Average total assets
- $291.4M
- Average total loans
- $167.1M
- Average interest-bearing deposits
- $172.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11823
- Fed RSSD
- 614751
- Website
- www.manhattanbank.bank →
- Parent Holding Company
- MSB FINANCIAL, INC. (RSSD 2851318)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Manhattan Bank's total assets ranged from $253.4M (Q3 2023) to $287.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$287.1M total assets against $264.2M; $263.0M total liabilities against $244.0M.
$159.2M net loans and leases against $158.4M; $252.7M total deposits against $231.8M.
$70.8M securities against $64.5M; $44.5M cash and balances due against $28.8M.
$3.7M total interest income against $3.4M; $1.0M total interest expense against $965K.
$2.7M net interest income against $2.4M.
$211K total noninterest income against $204K; $1.8M total noninterest expense against $1.7M.
$34K provision for credit losses against $45K.
$1.1M net income against $905K.
1.47% return on assets against 1.33%; 3.96% net interest margin against 3.85%.
17.25% CET1 capital ratio against 16.27%; 9.90% tier 1 leverage ratio against 9.89%.
Inside the full Manhattan Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeManhattan Bank rankings
Its closest position to the top of a national ranking is 560 of 2,134, for CET1 ratio; its furthest is 2,227 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.04% (Q3 2024) to 1.48% (Q4 2025) and its net interest margin ran from 3.57% (Q3 2024) to 3.96% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.25% | 1.47% | 0.35% | 2.09% | 3.96% |
| Q1 2026 | 16.56% | 1.29% | 0.01% | 0.09% | 3.79% |
| Q4 2025 | 16.45% | 1.48% | 0.03% | 0.21% | 3.92% |
| Q3 2025 | 16.50% | 1.36% | 0.02% | 0.11% | 3.88% |
| Q2 2025 | 16.27% | 1.33% | 0.02% | 0.13% | 3.85% |
| Q1 2025 | 15.93% | 1.27% | 0.02% | 0.18% | 3.70% |
| Q4 2024 | 15.50% | 1.44% | 0.02% | 0.16% | 3.73% |
| Q3 2024 | 15.01% | 1.04% | 0.03% | 0.19% | 3.57% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Manhattan Bank (main office) | Manhattan , MT | 59741 | $110.4M |
| Amsterdam Churchill Branch | Manhattan , MT | 59741 | $55.6M |
| Three Forks Branch | Three Forks , MT | 59752 | $44.7M |
| Manhattan Bank Branch | Bozeman , MT | 59718 | $41.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in MT, rank 19 of 48 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 46 applications, 38 loans originated, $12.7M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $80K approved, $40K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Manhattan Bank
What are Manhattan Bank's total assets?
As of the Q2 2026 filing, Manhattan Bank reported total assets of $287.1 million in its FFIEC call report.
Where is Manhattan Bank headquartered?
It is headquartered in Manhattan, MT, United States.
When was Manhattan Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Manhattan Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Manhattan Bank?
Manhattan Bank's primary federal regulator is the FDIC.
What is Manhattan Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.25% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Manhattan Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Manhattan Bank's Texas Ratio?
Its Texas Ratio is 2.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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