Manufacturers Bank & Trust Company: 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.
Reserve coverage of non-performing loans dropped 81.96 percentage points in Q2 2026, from 298.04% to 216.08%. It was the largest change from Q1 2026 among the key lines here. Manufacturers Bank & Trust Company ranks 101st of 225 Iowa banks on return on assets, in the upper half at 1.48% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Manufacturers Bank & Trust Company sits 0.22 points higher, at 1.48% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 14.13% |
| Tier 1 leverage ratio | 10.44% |
| Equity capital to assets | 10.82% |
| Tangible equity to tangible assets | 9.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.28% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 216.08% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.48% |
| Return on equity | 13.73% |
| Net interest margin | 3.80% |
| Efficiency ratio | 60.58% |
| Yield on earning assets | 5.50% |
| Cost of funds | 1.79% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.57% |
| Core deposits to total deposits | 88.93% |
| Brokered deposits to total deposits | 2.98% |
| Deposits to assets | 86.76% |
| Securities to assets | 21.08% |
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 | 10.37% | 10.37% | 11.35% | 8.56% | 0.95% |
| Q4 2023 | 10.69% | 10.69% | 11.70% | 8.55% | 1.03% |
| Q1 2024 | 10.86% | 10.86% | 11.91% | 8.52% | 0.82% |
| Q2 2024 | 10.95% | 10.95% | 12.03% | 8.53% | 0.88% |
| Q3 2024 | 11.91% | 11.91% | 13.01% | 9.28% | 1.07% |
| Q4 2024 | 11.99% | 11.99% | 13.15% | 9.43% | 0.87% |
| Q1 2025 | 12.24% | 12.24% | 13.46% | 9.72% | 0.94% |
| Q2 2025 | 12.73% | 12.73% | 13.98% | 10.04% | 1.41% |
| Q3 2025 | 13.05% | 13.05% | 14.30% | 10.23% | 1.20% |
| Q4 2025 | 12.89% | 12.89% | 14.14% | 10.35% | 1.35% |
| Q1 2026 | 12.77% | 12.77% | 14.02% | 10.37% | 1.16% |
| Q2 2026 | 12.88% | 12.88% | 14.13% | 10.44% | 1.48% |
Manufacturers Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Manufacturers Bank & Trust Company, 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 Manufacturers Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16307) · FFIEC NIC profile (RSSD 215345)