Manufacturers and Traders Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Manufacturers and Traders Trust Company is an FDIC-insured commercial bank headquartered in Buffalo, NY, established in 1856 (FDIC certificate 588), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $218.79B, up 3.7% from Q2 2025, the 4th largest of 105 banks headquartered in New York. Its CET1 capital ratio was 11.81% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 588
- Headquarters
- Buffalo, NY
- Established
- 1856
- Total assets, Q2 2026
- $218.79B
- Assets vs Q2 2025
- +3.7%
- CET1 ratio, Q2 2026
- 11.81%
- Domestic offices
- 960 FDIC institution directory, current count
- Routing number
- 022000046
- Latest call report
- Q2 2026, FFIEC 031 · Manufacturers and Traders Trust Company call report
- Holding company
- M&T BANK CORPORATION
- Asset rank in state
- 4th of 105 in New York
Manufacturers and Traders Trust Company is the 21st-largest bank in the United States, with $218.8 billion in assets at June 30, 2026, up 3.7% from a year earlier. It is headquartered in Buffalo, New York, and operates 960 domestic branches. It holds commercial real estate loans worth 1.3 times its capital, higher than about three-quarters of the 14 banks with $100 billion to $250 billion in assets (median 0.9 times). On the other hand, it pays an average of 1.62% on its deposits and borrowings, lower than about three-quarters of banks its size (median 2.26%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.80% of loans, down from 1.13% a year earlier. Net income for the quarter rose 13% from a year earlier, to $831 million. Where it has less room is capital: it holds common equity equal to 11.81% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.29%).
As of June 30, 2026, Manufacturers and Traders Trust Company reported a CET1 capital ratio of 11.81%, a return on assets of 1.54%, a nonperforming-loan ratio of 1.35% and a Texas ratio of 5.32%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Manufacturers and Traders Trust Company is the 4th largest of the 105 banks headquartered in New York. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $218.79B, loans rose 2.3% and deposits rose 3.0%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 23.9% of total loans, ahead of 1-4 family residential loans at 21.1%. On its Q2 2026 call report, Manufacturers and Traders Trust Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1 M And T Plz, Buffalo, NY 14203
- County
- Erie
- Metro Area
- Buffalo-Cheektowaga, NY
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 2, New York
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- January 1, 1856
- Domestic offices
- 960 FDIC institution directory, current count
- Employees (FTE)
- 20,575
- Domestic deposits
- $172.30B
- Allowance for credit losses
- $2.17B
- Net charge-offs (YTD)
- $185.0M
- Average total assets
- $216.13B
- Average total loans
- $138.79B
- Average interest-bearing deposits
- $121.76B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 588
- Fed RSSD
- 501105
- SEC CIK
- 36270 → filed by M&T BANK CORPORATION
- Website
- www.mtb.com →
- Parent Holding Company
- M&T BANK CORPORATION (RSSD 1037003) · MTB
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Rene F Jones | CEO | Chairman of the Board and CEO |
| Daryl N. Bible | CFO | Sr. EVP & CFO |
| Laura P. O'Hara | GC | Sr. EVP & Chief Legal Officer |
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
Manufacturers and Traders Trust Company's total assets moved between a low of $207.56B (Q4 2024) and a high of $218.79B (Q2 2026) from Q3 2023 to 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
$218.79B total assets against $211.04B; $190.62B total liabilities against $182.66B.
$141.12B net loans and leases against $133.97B; $172.32B total deposits against $168.41B.
$37.45B securities against $34.76B; $17.36B cash and balances due against $21.36B.
$2.62B total interest income against $2.61B; $759.0M total interest expense against $835.8M.
$1.86B net interest income against $1.77B.
$603.0M total noninterest income against $544.8M; $1.26B total noninterest expense against $1.23B.
$120.0M provision for credit losses against $125.0M.
$831.0M net income against $737.1M.
1.54% return on assets against 1.41%; 3.84% net interest margin against 3.74%.
11.81% CET1 capital ratio against 12.46%; 9.51% tier 1 leverage ratio against 9.76%.
Inside the full Manufacturers and Traders Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeManufacturers and Traders Trust Company rankings
Its closest position to the top of a national ranking is 21 of 4,196, for total assets; its furthest is 1,767 of 2,134, for CET1 ratio.
Metric pages for Manufacturers and Traders Trust Company: Uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.19% (Q1 2025) to 1.54% (Q2 2026) and its net interest margin ran from 3.70% (Q4 2024) to 3.86% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.81% | 1.54% | 1.35% | 5.32% | 3.84% |
| Q1 2026 | 11.98% | 1.27% | 1.44% | 5.44% | 3.80% |
| Q4 2025 | 12.13% | 1.51% | 1.38% | 5.51% | 3.86% |
| Q3 2025 | 12.24% | 1.51% | 1.48% | 6.82% | 3.86% |
| Q2 2025 | 12.46% | 1.41% | 1.52% | 7.12% | 3.74% |
| Q1 2025 | 12.45% | 1.19% | 1.49% | 7.00% | 3.73% |
| Q4 2024 | 12.32% | 1.32% | 1.56% | 7.87% | 3.70% |
| Q3 2024 | 12.54% | 1.41% | 1.70% | 8.82% | 3.73% |
Swipe the table sideways to see every column.
Branch Network
View all 957 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 |
|---|---|---|---|
| Manufacturers and Traders Trust Company (main office) | Buffalo , NY | 14203 | $34.53B |
| Tenth and Market Street Branch | Wilmington , DE | 19801 | $10.91B |
| Light and Redwood Branch | Baltimore , MD | 21202 | $10.09B |
| Park Avenue Branch | New York , NY | 10172 | $4.06B |
| Bridgeport Center Branch | Bridgeport , CT | 06604 | $3.49B |
| Belmont Center Branch | Belmont , MA | 02478 | $3.28B |
| Castor Branch | Philadelphia , PA | 19149 | $2.90B |
| Rochester Downtown Branch | Rochester , NY | 14614 | $2.16B |
| Albany Branch | Albany , NY | 12207 | $1.77B |
| Two Burlington Square Branch | Burlington , VT | 05401 | $1.77B |
| West Hartford Center Branch | West Hartford , CT | 06107 | $1.75B |
| Nyack Branch | Nyack , NY | 10960 | $1.48B |
| New Jersey Commercial Banking Office | Saddle Brook , NJ | 07663 | $1.43B |
| Armory Square Branch | Syracuse , NY | 13202 | $1.34B |
| Severna Park Branch | Severna Park , MD | 21146 | $1.01B |
| West Shore Plaza Branch | Lemoyne , PA | 17043 | $944.3M |
| Coal Street Branch | Wilkes-Barre , PA | 18702 | $802.9M |
| 17th Street Branch | Altoona , PA | 16602 | $763.7M |
| K Street Branch | Washington , DC | 20006 | $683.8M |
| Oceanside Branch | Oceanside , NY | 11572 | $662.5M |
| Endicott Main Branch | Endicott , NY | 13760 | $565.1M |
| Queen Street Branch | York , PA | 17403 | $548.1M |
| Wells Branch | Wells , ME | 04090 | $545.1M |
| Southgate Plaza Branch | West Seneca , NY | 14224 | $520.5M |
| Vernon Branch | Vernon , CT | 06066 | $498.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2025 | Structure Change | Acquired People's United Merchant Services Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2025 | Structure Change | Acquired M&T Capital and Leasing Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 28, 2025 | Structure Change | Acquired People's United Subsidiary Holdings, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 2022 | Structure Change | Acquired People's United Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 2, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 2, 2019 | Structure Change | Acquired Premier National Investment Company, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2015 | Structure Change | Acquired Hudson City Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2011 | Structure Change | Acquired Wilmington Trust Company Sale of Assets for the acquired bank | FFIEC NIC |
| May 16, 2011 | Structure Change | Acquired Wilmington Trust Company Sale of Assets for the acquired bank | FFIEC NIC |
| November 6, 2010 | Structure Change | Acquired K Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| November 5, 2010 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 29, 2009 | Structure Change | Acquired Bradford Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 28, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| May 23, 2009 | Structure Change | Acquired Provident Bank of Maryland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 23, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2009 | Structure Change | Acquired M&T Credit Services, LLC Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 2007 | Structure Change | Acquired Partners Trust Municipal Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2007 | Structure Change | Acquired M&T Mortgage Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 4, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 4, 2003 | Structure Change | Acquired Allfirst Financial Center National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 14, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 14, 2003 | Structure Change | Acquired Allfirst Trust Company N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2003 | Structure Change | Acquired Allfirst Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2001 | Structure Change | Acquired Premier National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2000 | Structure Change | Acquired Keystone Financial Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1999 | Structure Change | Acquired First National Bank of Rochester Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 1, 1998 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1998 | Structure Change | Acquired Franklin First Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 24, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 24, 1997 | Structure Change | Acquired The East New York Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 1, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 1, 1994 | Structure Change | Acquired Citizens Savings Bank FSB Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1992 | Structure Change | Acquired Endicott Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1992 | Structure Change | Acquired The First National Bank of Highland Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 1, 1991 | Structure Change | Acquired Goldome Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 43 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- None against the institution on file; 2 against individuals associated with it
- Period: Most recent action June 8, 2026. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.7% of deposits in NY, rank 8 of 176 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 42,493 applications, 23,446 loans originated, $7.39B originated, across 52 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2,438 loans, $271.1M approved, $111K average. 0.25% 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).
- Consumer complaints
- 1,460 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- 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 Manufacturers and Traders Trust Company
What are Manufacturers and Traders Trust Company's total assets?
As of the Q2 2026 filing, Manufacturers and Traders Trust Company reported total assets of $218.79 billion in its FFIEC call report.
Where is Manufacturers and Traders Trust Company headquartered?
It is headquartered in Buffalo, NY, United States.
When was Manufacturers and Traders Trust Company founded?
It was established in 1856, per the FDIC institution directory.
Is Manufacturers and Traders Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Manufacturers and Traders Trust Company?
Manufacturers and Traders Trust Company's primary federal regulator is the Federal Reserve.
What is Manufacturers and Traders Trust Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.81% in its Q2 2026 call report, above regulatory requirements.
How many branches does Manufacturers and Traders Trust Company operate?
It operates 960 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Manufacturers and Traders Trust Company's Texas Ratio?
Its Texas Ratio is 5.32% 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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