Manhattan Bank
Total assets
$287.1M
▲ +8.7% YoY
Deposits
$252.7M
▲ +9.0% YoY
Loans
$159.2M
▲ +0.5% YoY
Offices
4
MSB FINANCIAL INC
ROA (annualized)
1.41%
peers 1.24%
ROE (annualized)
16.81%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Manhattan Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +9.0% | +4.0% | +5.1 pts |
| Loan growth (YoY) | +0.5% | +5.6% | -5.1 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 16.8% | 11.9% | +4.9 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
Profile
- Established
- 1905
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MSB FINANCIAL INC
- Specialization
- All Other Under 1 Billion
- Address
- 124 S Broadway St, Manhattan, MT, 59741
- County
- Gallatin
- Metro area
- Bozeman, MT
- Offices
- 4
- FDIC cert #
- 11823
- RSSD ID
- 614751
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $287.1M | $252.7M | $159.2M | $24.0M | $2.0M | 1.41% | 3.90% | 0.20% |
| Q1 2026 | $279.5M | $246.0M | $164.7M | $23.4M | $905K | 1.31% | 3.80% | 0.01% |
| Q4 2025 | $274.7M | $239.6M | $164.2M | $23.1M | $3.7M | 1.39% | 3.84% | 0.02% |
| Q3 2025 | $268.7M | $234.1M | $161.2M | $22.3M | $2.7M | 1.35% | 3.82% | 0.01% |
| Q2 2025 | $264.2M | $231.8M | $158.4M | $20.2M | $1.8M | 1.34% | 3.79% | 0.01% |
| Q1 2025 | $275.3M | $243.3M | $161.8M | $19.9M | $881K | 1.31% | 3.73% | 0.01% |
| Q4 2024 | $263.0M | $228.7M | $164.3M | $18.3M | $3.0M | 1.15% | 3.51% | 0.01% |
| Q3 2024 | $258.4M | $222.3M | $166.0M | $19.8M | $2.0M | 1.05% | 3.44% | 0.02% |
Loan mix (Q2 2026): real estate $131.3M · commercial $8.7M · consumer $4.8M · securities $70.8M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Manhattan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Manhattan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Manhattan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Manhattan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Manhattan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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