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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 588 · NY A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1514/4307
  • PHOTO-FINISH Farmers & Traders Ba… · KY
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 6.3% Texas
  • ROA-STRONG 1.40% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside New York: Farmers & Traders Bank of Campton, KY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Manufacturers and Traders Trust Compa…

Lowest and highest poles plus nearest scored peers outside New York, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Community Financial… · KY · …83/100Exchange Bank · GA · near83/100Farmers & Traders Ba… · KY ·…83/100Glenwood State Bank · IA · n…83/100Manufacturers and Tr… · NY ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Manufacturers and Traders Trust Compa… · July 2026

What Manufacturers and Traders Trust Compa…'s Call Report plate shows

Manufacturers and Traders Trust Company (FDIC Cert #588) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,514 of 4,307. Tier 1 capital prints at 12.13%, clearing the 10% well-capitalized line. The Texas Ratio is 6.30%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.40%. Balance-sheet scale is $212.9B, 21st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Farmers & Traders Bank of Campton (KY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Manufacturers and Traders Trust Compa…

6 FAILURE resolutions in New York since 2000 (5 since 2008)

Manufacturers and Traders Trust Company's home state sits in the middle band of post-2000 FAILURE counts (6; 5 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Manufacturers and Traders Trust Company remains an active FDIC-insured reporter.

  • SIGNATURE BANK NEW YORK, NY 2023 → FLAGSTAR BANK, N.A.
  • USA BANK PORT CHESTER, NY 2010 → NEW CENTURY BANK
  • THE PARK AVENUE BANK NEW YORK, NY 2010 → VALLEY NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and New York banks.

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.

0/100100/100National avg77/10083/100
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 Assets

$212.9B

Total balance-sheet footings

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

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.73% 12.13% 13.53%
Basel III capital ratios - Manufacturers and Traders Trust Company

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 35% higher than 65% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Manufacturers and Traders Trust Compa… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Manufacturers and Traders Trust Compa…

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

What these ratios mean →

Earnings posture at Manufacturers and Traders Trust Compa…

Return on Assets (ROA)
69th percentile nationally
1.40%
Return on Equity (ROE)
10.49%
Efficiency Ratio
53.40%

What these mean →

Income & expense at Manufacturers and Traders Trust Compa…

$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.

FDIC Failed Bank List → View Manufacturers and Traders Trust Company on FDIC BankFind →

Top banks in New York by total assets

Largest banks headquartered in New York
  1. 1
    Goldman Sachs Bank USA $645.0B

    New York, NY · Grade A

  2. 2
    The Bank of New York Mellon $381.0B

    New York, NY · Grade A

  3. 3
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  4. 4
    Manufacturers and Traders Trust Compa… $212.9B

    Buffalo, NY · Grade A

  5. 5
    Flagstar Bank $87.5B

    Hicksville, NY · Grade D

Top 5 banks in New York ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Manufacturers and Traders Trust Company nationally by total assets
  1. 1
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Citizens Bank $225.9B

    Providence, RI · Grade B

  5. 5
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  6. 6
    Ally Bank $184.6B

    Sandy, UT · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($212.9B here), outside New York so the neighborhood is not state containment.

Fifth Third Bank $213.7B · OH American Express National Bank $211.3B · UT The Huntington National Bank $224.0B · OH Citizens Bank $225.9B · RI

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.

Manufacturers and Traders Trust Company Call Report profile · FDIC Failed Bank List · New York FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in New York

All New York banks →
BankAssetsGradeROA
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%