Manufacturers and Traders Trust Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Subordinated notes and debentures climbed 40.5% in Q2 2026, from $1.24B to $1.74B. It was the largest change from Q1 2026 among the key lines here. Within New York, Manufacturers and Traders Trust Company is 60th of 105 on loan-to-deposit ratio, 83.15% as of Q2 2026, below the middle of the field. At 83.15%, Manufacturers and Traders Trust Company's loan-to-deposit ratio is close to the 81.12% median for banks in the $100B-250B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.36B |
| Cash and noninterest-bearing balances to assets | 7.94% |
| Cash and securities | $54.81B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $64.0M |
| Other borrowed money | $12.48B |
| Subordinated notes and debentures | $1.74B |
| Other borrowed money to assets | 5.71% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.15% |
| Net loans and leases to deposits | 81.89% |
| Loans and leases to core deposits | 84.57% |
| Core deposits to total deposits | 94.14% |
| Brokered deposits to total deposits | 4.32% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 79.34% | 90.58% | $530.7M | $10.47B |
| Q4 2023 | 80.17% | 90.03% | $315.6M | $9.23B |
| Q1 2024 | 79.17% | 90.89% | $295.2M | $12.69B |
| Q2 2024 | 82.48% | 91.70% | $263.6M | $12.58B |
| Q3 2024 | 81.11% | 91.53% | $105.1M | $11.11B |
| Q4 2024 | 82.00% | 91.83% | $59.6M | $9.99B |
| Q1 2025 | 79.52% | 92.02% | $72.5M | $8.32B |
| Q2 2025 | 80.86% | 91.99% | $70.6M | $9.90B |
| Q3 2025 | 81.74% | 91.90% | $59.5M | $9.69B |
| Q4 2025 | 80.93% | 92.11% | $48.9M | $7.79B |
| Q1 2026 | 83.72% | 93.03% | $51.0M | $13.79B |
| Q2 2026 | 83.15% | 94.14% | $64.0M | $12.48B |
Manufacturers and Traders Trust Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Manufacturers and Traders Trust Company, freeSource: Call Report Schedules RC and RC-M, 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 Manufacturers and Traders Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 588) · FFIEC NIC profile (RSSD 501105)