Total Assets
$739M
Total balance-sheet footings
FDIC Cert #16307 · Forest City, Iowa · Est. 1945
Manufacturers Bank & Trust Company - FDIC Bank Health Profile
A community-scale look at Manufacturers Bank & Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $739M
- Total assets
- A
- Health grade · Excellent
- 1.23%
- Return on assets
- 12.9%
- Tier 1 capital
Data updated July 2026
The verdict
Manufacturers Bank & Trust Company earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.89% Tier 1, profitable at 1.23% ROA, 65% efficiency ratio.
- #1,334
- largest of 4,313 FDIC banks by assets
- 69th
- percentile by asset size, nationally
- 12.89%
- Tier 1 ratio - above the 10% well-capitalized line
- 59th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Manufacturers Bank & 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 Bank & Trust Company's composite health score
Tier 1 Capital Ratio (12.89%) 35/40
Return on Assets (ROA) (1.23%) 20/25
Texas Ratio (3.18%) 20/20
Efficiency Ratio (65.43%) 8/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$638M
Customer-funded liabilities
Net Loans
$516M
Outstanding loan book
Net Income
$9M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Manufacturers Bank & Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Manufacturers Bank & Trust Company's score of 83/100 falls in the highlighted band.
Manufacturers Bank & 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 Bank & Trust Company's $739M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.89% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.89%
Texas Ratio
3.18%
Equity Capital
$80M
Profitability metrics
Return on Assets (ROA)
59th percentile nationally
1.23%
Return on Equity (ROE)
12.14%
Efficiency Ratio
65.43%
What the numbers say about Manufacturers Bank & Trust Company
Manufacturers Bank & Trust Company is an FDIC-insured institution (Certificate #16307) headquartered in Forest City, Iowa, established in 1945. It holds $739M in total assets - 1,334th of 4,313 FDIC-insured banks, $638M in customer deposits, and $516M in net loans. Looking at capital strength, Tier 1 stands at 12.89%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 3.18%, 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.
Within Iowa, Manufacturers Bank & Trust Company ranks 39th of 230 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$36M
Interest Income
$6M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Manufacturers Bank & Trust Company reports a Texas Ratio of 3.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Manufacturers Bank & Trust Company (FDIC Cert #16307) - 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 Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Manufacturers Bank & Trust Company's health grade?▼
Manufacturers Bank & 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 Bank & Trust Company?▼
Manufacturers Bank & Trust Company holds $739M in total assets and $638M in deposits, ranking 1,334th of 4,313 FDIC-insured banks by asset size. It is headquartered in Forest City, Iowa.
Is my money safe at Manufacturers Bank & Trust Company?▼
Yes, deposits at Manufacturers Bank & Trust Company (Certificate #16307) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Manufacturers Bank & Trust Company's Tier 1 Capital Ratio?▼
Manufacturers Bank & Trust Company has a Tier 1 Capital Ratio of 12.89%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Manufacturers Bank & Trust Company?▼
Manufacturers Bank & Trust Company has a Texas Ratio of 3.18%. 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 Bank & Trust Company?▼
Manufacturers Bank & Trust Company has an Efficiency Ratio of 65.43%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Manufacturers Bank & Trust Company's profile as a depositor or analyst.
- Manufacturers Bank & Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Manufacturers Bank & Trust Company against other Iowa banks before moving funds. Iowa 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.