Manufacturers and Traders Trust Company
Total assets
$218.79B
▲ +3.7% YoY
Deposits
$172.32B
▲ +2.3% YoY
Loans
$141.12B
▲ +5.3% YoY
Offices
962
M&T BANK CORP
ROA (annualized)
1.40%
peers 1.23%
ROE (annualized)
10.70%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +5.9% | -2.2 pts |
| Deposit growth (YoY) | +2.3% | +5.7% | -3.4 pts |
| Loan growth (YoY) | +5.3% | +6.9% | -1.6 pts |
| ROA | 1.40% | 1.23% | +0.2 pts |
| ROE | 10.7% | 11.2% | -0.5 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
Profile
- Established
- 1856
- Charter
- State
- Primary regulator
- FED
- Holding company
- M&T BANK CORP
- Specialization
- Commercial Lending Specialization
- Address
- 1 M And T Plz, Buffalo, NY, 14203
- County
- Erie
- Metro area
- Buffalo-Cheektowaga, NY
- Offices
- 962
- FDIC cert #
- 588
- RSSD ID
- 501105
- 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 | $218.79B | $172.32B | $141.12B | $28.16B | $1.51B | 1.40% | 3.84% | 0.89% |
| Q1 2026 | $214.20B | $167.26B | $137.89B | $28.17B | $679.0M | 1.27% | 3.83% | 0.95% |
| Q4 2025 | $212.89B | $171.49B | $136.67B | $28.33B | $2.95B | 1.40% | 3.83% | 0.91% |
| Q3 2025 | $210.74B | $167.65B | $134.87B | $28.26B | $2.15B | 1.37% | 3.81% | 0.98% |
| Q2 2025 | $211.04B | $168.41B | $133.97B | $28.38B | $1.35B | 1.29% | 3.76% | 0.99% |
| Q1 2025 | $209.80B | $169.29B | $132.43B | $28.00B | $616.1M | 1.18% | 3.75% | 0.97% |
| Q4 2024 | $207.56B | $165.41B | $133.45B | $27.57B | $2.66B | 1.26% | 3.74% | 1.03% |
| Q3 2024 | $211.33B | $167.65B | $133.78B | $27.99B | $1.96B | 1.24% | 3.72% | 1.11% |
Loan mix (Q2 2026): real estate $65.09B · commercial $34.27B · consumer $21.57B · securities $37.45B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.23% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.3% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.55% | 70th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 54.9% | 44th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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