Manufacturers and Traders Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Manufacturers and Traders Trust Company of Buffalo, NY against its peer group of 14 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.54% | 1.56% | -0.02% | 77th top |
| ROAE | 11.80% | 16.82% | -5.02% | 38th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.84% | 4.06% | -0.22% | 69th above |
| Efficiency Ratio | 50.65% | 56.75% | -6.10% | 69th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 2.22% | 2.59% | -0.37% | 69th above |
| Yield on Earning Assets | 5.39% | 6.38% | -0.99% | 46th below |
| Cost of Funds | 1.62% | 2.45% | -0.83% | 85th top |
| Net Interest Spread Behind the peer average, ahead of the median peer. | 3.16% | 3.53% | -0.37% | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.46% | 1.35% | +0.11% | 31st below |
| NPA / Total Assets | 0.96% | 0.86% | +0.10% | 31st below |
| NCO / Avg Loans | 0.23% | 0.93% | -0.70% | 69th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.52% | 2.07% | -0.55% | 62nd above |
| ACL / NPLs (Coverage) | 103.87% | 181.24% | -77.37% | 38th below |
| Texas Ratio | 13.01% | 9.51% | +3.50% | 23rd bottom |
| Provision / NCO | 132.43% | 108.81% | +23.62% | 82nd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.81% | 13.97% | -2.16% | 23rd bottom |
| Tier 1 Ratio | 11.81% | 14.12% | -2.31% | 23rd bottom |
| Total Capital Ratio | 13.87% | 15.68% | -1.81% | 46th below |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 9.51% | 9.52% | -0.01% | 54th above |
| Equity / Assets | 12.87% | 9.69% | +3.18% | 85th top |
| TCE / Tangible Assets | 9.35% | 8.58% | +0.77% | 77th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.15% | 75.73% | +7.42% | 46th below |
| Core Deposit Ratio | 94.14% | 83.66% | +10.48% | 77th top |
| Uninsured Deposit Ratio | 48.88% | 34.91% | +13.97% | 23rd bottom |
| Wholesale Funding Ratio | 6.53% | 6.51% | +0.02% | 38th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 3.67% | 11.26% | -7.59% | 62nd above |
| Loan Growth (Y/Y) | 5.23% | 13.02% | -7.79% | 46th below |
| Deposit Growth (Y/Y) | 2.33% | 11.45% | -9.12% | 38th below |
See Manufacturers and Traders Trust Company's peers by name
The 14 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Manufacturers and Traders Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Manufacturers and Traders Trust Company profile, how to read a UBPR, or how this data updates.