Manufacturers and Traders Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 3.68 percentage points higher than in Q1 2026, at 132.50%. Manufacturers and Traders Trust Company ranks 60th of 105 New York banks on loan-to-deposit ratio, in the lower half at 83.15% (Q2 2026). The median for banks in the $100B-250B asset tier is 81.12% on loan-to-deposit ratio; Manufacturers and Traders Trust Company reported 83.15% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $143.30B |
| Net loans and leases | $141.12B |
| Loans held for sale | $663.0M |
| Loans to total assets | 65.49% |
| Loan-to-deposit ratio | 83.15% |
| Net loans to equity capital | 5.01% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 16.89% |
| Multifamily (5+ residential) | 4.97% |
| Commercial and industrial | 23.91% |
| Consumer | 15.05% |
| Credit cards | 0.68% |
| Farm | 0.09% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.87% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 132.50% |
| Construction concentration (Tier 1 capital + allowance) | 15.28% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $2.03B |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $132.39B | $166.86B | 21.58% | 23.67% | 11.77% |
| Q4 2023 | $134.13B | $167.32B | 20.53% | 23.62% | 12.46% |
| Q1 2024 | $135.01B | $170.52B | 20.15% | 23.87% | 13.29% |
| Q2 2024 | $135.03B | $163.72B | 19.40% | 24.34% | 13.95% |
| Q3 2024 | $135.98B | $167.65B | 18.69% | 24.62% | 14.41% |
| Q4 2024 | $135.64B | $165.41B | 18.12% | 23.49% | 14.30% |
| Q1 2025 | $134.63B | $169.29B | 17.88% | 23.37% | 14.64% |
| Q2 2025 | $136.17B | $168.41B | 17.48% | 24.08% | 15.12% |
| Q3 2025 | $137.03B | $167.65B | 16.91% | 23.42% | 15.39% |
| Q4 2025 | $138.78B | $171.49B | 16.75% | 23.79% | 15.13% |
| Q1 2026 | $140.02B | $167.26B | 16.65% | 24.10% | 14.89% |
| Q2 2026 | $143.30B | $172.32B | 16.89% | 23.91% | 15.05% |
Manufacturers and Traders Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Manufacturers and Traders Trust Company, freeSource: Call Report Schedule RC-C, 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)