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Manufacturers And Traders Trust Company
Buffalo, NY · FDIC Certificate #588 · Chartered 01/0
Total assets
$218.79B
Total deposits
$172.32B
Total equity
$28.16B
Net loans
$141.12B
Branches (offices)
957
Net income (YTD)
$1.51B
Rank: #21 of 4,213 U.S. banks by assets · #4 of 115 in New York. Assets changed 3.7% and deposits 2.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.40% |
| Return on equity | 10.70% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 12.87% |
| Tier 1 leverage ratio | 9.51% |
| Uninsured deposits (share of deposits) | 48.9% |
| Noncurrent loans (share of loans) | 1.35% |
| Net charge-offs (share of loans) | 0.26% |
| Loans to deposits | 81.9% |
| Real estate loans (share of loans) | 46.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $65.09B | 46.1% | |
| Commercial & industrial | $34.27B | 24.3% | |
| Consumer / individual | $21.57B | 15.3% | |
| Construction & development | $3.35B | 2.4% | |
| Agricultural | $71.00M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $203.66B | $173.10B | $568.06M | $24.70B |
| Jun 2023 | $207.10B | $165.29B | $1.44B | $25.06B |
| Jun 2024 | $208.38B | $163.72B | $1.22B | $26.71B |
| Jun 2025 | $211.04B | $168.41B | $1.35B | $28.38B |
| Jun 2026 | $218.79B | $172.32B | $1.51B | $28.16B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $73.59B | 274 |
| Maryland | $26.76B | 152 |
| Connecticut | $18.98B | 109 |
| Pennsylvania | $16.34B | 150 |
| Delaware | $15.65B | - |
| Massachusetts | $6.15B | 62 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $172.30B.
Similar-sized banks
Citizens Bank, National Association ($232.52B) · American Express National Bank ($213.95B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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