Manufacturers Bank & Trust Company
Total assets
$738.2M
▲ +1.5% YoY
Deposits
$640.4M
▲ +2.1% YoY
Loans
$508.1M
▲ +0.5% YoY
Offices
9
MBT CORP
ROA (annualized)
1.31%
peers 1.28%
ROE (annualized)
12.17%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.9% | -3.4 pts |
| Deposit growth (YoY) | +2.1% | +4.3% | -2.2 pts |
| Loan growth (YoY) | +0.5% | +5.3% | -4.8 pts |
| ROA | 1.31% | 1.28% | +0.0 pts |
| ROE | 12.2% | 12.4% | -0.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
Profile
- Established
- 1945
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- MBT CORP
- Specialization
- Agricultural Specialization
- Address
- 245 E J St, Forest City, IA, 50436
- County
- Winnebago
- Offices
- 9
- FDIC cert #
- 16307
- RSSD ID
- 215345
- 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 | $738.2M | $640.4M | $508.1M | $79.9M | $4.8M | 1.31% | 3.66% | 0.66% |
| Q1 2026 | $727.8M | $630.1M | $505.5M | $78.2M | $2.1M | 1.15% | 3.62% | 0.51% |
| Q4 2025 | $738.5M | $638.3M | $516.0M | $80.0M | $9.0M | 1.23% | 3.45% | 0.38% |
| Q3 2025 | $726.3M | $608.8M | $494.8M | $77.1M | $6.5M | 1.19% | 3.40% | 1.17% |
| Q2 2025 | $727.1M | $627.1M | $505.6M | $73.9M | $4.3M | 1.18% | 3.35% | 0.41% |
| Q1 2025 | $731.4M | $636.9M | $515.9M | $70.9M | $1.7M | 0.94% | 3.18% | 0.53% |
| Q4 2024 | $747.3M | $637.5M | $527.6M | $69.2M | $7.0M | 0.92% | 2.97% | 0.59% |
| Q3 2024 | $747.5M | $621.1M | $525.2M | $70.2M | $5.3M | 0.93% | 2.95% | 0.46% |
Loan mix (Q2 2026): real estate $351.9M · commercial $94.9M · consumer $10.2M · securities $155.6M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.28% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.4% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.89% | 37th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 61.2% | 62th | |
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.
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