Total Assets
$212.9B
Total balance-sheet footings
FDIC Cert #588 · Buffalo, New York · Est. 1856
Manufacturers and Traders Trust Company - FDIC Bank Health Profile
One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.
- $212.9B
- Total assets
- A
- Health grade · Excellent
- 1.40%
- Return on assets
- 12.1%
- Tier 1 capital
Data updated July 2026
The verdict
Manufacturers and Traders Trust Company earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.13% Tier 1, profitable at 1.40% ROA, efficient (53% cost ratio).
- #21
- largest of 4,313 FDIC banks by assets
- 100th
- percentile by asset size, nationally
- 12.13%
- Tier 1 ratio - above the 10% well-capitalized line
- 69th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Manufacturers and Traders Trust Company's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Manufacturers and Traders Trust Company's composite health score
Tier 1 Capital Ratio (12.13%) 35/40
Return on Assets (ROA) (1.40%) 20/25
Texas Ratio (6.30%) 16/20
Efficiency Ratio (53.40%) 12/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$171.5B
Customer-funded liabilities
Net Loans
$136.7B
Outstanding loan book
Net Income
$2.9B
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Manufacturers and Traders Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Manufacturers and Traders Trust Company's score of 83/100 falls in the highlighted band.
Manufacturers and Traders Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Manufacturers and Traders Trust Company's $212.9B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.13% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.13%
Texas Ratio
6.30%
Equity Capital
$28.3B
Profitability metrics
Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
10.49%
Efficiency Ratio
53.40%
What the numbers say about Manufacturers and Traders Trust Company
Manufacturers and Traders Trust Company is an FDIC-insured institution (Certificate #588) headquartered in Buffalo, New York, established in 1856. It holds $212.9B in total assets - 21st of 4,313 FDIC-insured banks, $171.5B in customer deposits, and $136.7B in net loans. Looking at capital strength, Tier 1 stands at 12.13%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 6.30%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (83/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Manufacturers and Traders Trust Company's asset base places it among the largest FDIC-insured institutions in the country, 21st of 4,313 nationally, and 4th of 120 banks headquartered in New York. Only Morgan Stanley Private Bank ($254.7B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$10.5B
Interest Income
$2.2B
Non-Interest Income
$5.0B
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Manufacturers and Traders Trust Company reports a Texas Ratio of 6.30% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.30% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in New York by total assets
National size peers: banks closest to Manufacturers and Traders Trust Company by assets
Manufacturers and Traders Trust Company is closely matched in total assets by Fifth Third Bank, American Express National Bank, The Huntington National Bank, Citizens Bank across 4 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.54%, versus Manufacturers and Traders Trust Company's own 1.40%; the average efficiency ratio is 58.69%, versus 53.40% here; and average Tier 1 capital sits at 12.18%, versus 12.13% at Manufacturers and Traders Trust Company. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.
At $212.9B in assets, Manufacturers and Traders Trust Company sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Manufacturers and Traders Trust Company (this bank) | NY | $212.9B | 1.40% | 53.40% | 12.13% |
| Fifth Third Bank, National Association | OH | $213.7B | 1.34% | 53.98% | 13.09% |
| American Express National Bank | UT | $211.3B | 3.89% | 68.58% | 10.94% |
| The Huntington National Bank | OH | $224.0B | 1.20% | 55.04% | 11.72% |
| Citizens Bank, National Association | RI | $225.9B | 0.87% | 62.22% | 12.27% |
| First-Citizens Bank & Trust Company | NC | $229.3B | 1.00% | 62.36% | 12.55% |
| Ally Bank | UT | $184.6B | 0.91% | 49.98% | 12.50% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Manufacturers and Traders Trust Company (FDIC Cert #588) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in New York
All New York banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Goldman Sachs Bank USANew York | $645.0B | A | 1.42% |
| The Bank of New York MellonNew York | $381.0B | A | 1.31% |
| Morgan Stanley Private Bank, National AssociationPurchase | $254.7B | A | 1.10% |
| Flagstar Bank, National AssociationHicksville | $87.5B | D | -0.14% |
| Bank of ChinaNew York | $61.9B | F | 0.00% |
| Deutsche Bank Trust Company AmericasNew York | $43.0B | A | 1.86% |
| State Bank of IndiaNew York | $22.6B | F | 0.00% |
| Apple BankNew York | $19.2B | C | 0.34% |
Frequently asked questions
What is Manufacturers and Traders Trust Company's health grade?▼
Manufacturers and Traders Trust Company receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Manufacturers and Traders Trust Company?▼
Manufacturers and Traders Trust Company holds $212.9B in total assets and $171.5B in deposits, ranking 21st of 4,313 FDIC-insured banks by asset size. It is headquartered in Buffalo, New York.
Is my money safe at Manufacturers and Traders Trust Company?▼
Yes, deposits at Manufacturers and Traders Trust Company (Certificate #588) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Manufacturers and Traders Trust Company's Tier 1 Capital Ratio?▼
Manufacturers and Traders Trust Company has a Tier 1 Capital Ratio of 12.13%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Manufacturers and Traders Trust Company?▼
Manufacturers and Traders Trust Company has a Texas Ratio of 6.30%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Manufacturers and Traders Trust Company?▼
Manufacturers and Traders Trust Company has an Efficiency Ratio of 53.40%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Manufacturers and Traders Trust Company's profile as a depositor or analyst.
- Manufacturers and Traders Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Manufacturers and Traders Trust Company against other New York banks before moving funds. New York banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.