Manhattan Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.00 percentage points lower than in Q1 2026, at 64.35%. Within Montana, Manhattan Bank is 18th of 35 on return on assets, 1.47% as of Q2 2026. Manhattan Bank reported 1.47% on return on assets for Q2 2026, 0.21 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.25% |
| Tier 1 risk-based capital ratio | 17.25% |
| Total risk-based capital ratio | 18.51% |
| Tier 1 leverage ratio | 9.90% |
| Equity capital to assets | 8.37% |
| Tangible equity to tangible assets | 8.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.35% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 2.09% |
| Allowance for credit losses to loans | 2.13% |
| Reserve coverage of non-performing loans | 602.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.47% |
| Return on equity | 18.08% |
| Net interest margin | 3.96% |
| Efficiency ratio | 60.90% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.59% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 64.35% |
| Core deposits to total deposits | 93.42% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.04% |
| Securities to assets | 24.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.65% | 14.65% | 15.90% | 9.09% | 0.97% |
| Q4 2023 | 14.39% | 14.39% | 15.65% | 9.41% | 1.22% |
| Q1 2024 | 14.54% | 14.54% | 15.80% | 9.42% | 0.93% |
| Q2 2024 | 14.92% | 14.92% | 16.17% | 9.55% | 1.09% |
| Q3 2024 | 15.01% | 15.01% | 16.26% | 9.72% | 1.04% |
| Q4 2024 | 15.50% | 15.50% | 16.76% | 9.80% | 1.44% |
| Q1 2025 | 15.93% | 15.93% | 17.19% | 9.55% | 1.27% |
| Q2 2025 | 16.27% | 16.27% | 17.53% | 9.89% | 1.33% |
| Q3 2025 | 16.50% | 16.50% | 17.76% | 10.03% | 1.36% |
| Q4 2025 | 16.45% | 16.45% | 17.71% | 10.05% | 1.48% |
| Q1 2026 | 16.56% | 16.56% | 17.82% | 10.04% | 1.29% |
| Q2 2026 | 17.25% | 17.25% | 18.51% | 9.90% | 1.47% |
Manhattan Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Manhattan Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Manhattan Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11823) · FFIEC NIC profile (RSSD 614751)