Manufacturers Bank&Trust Co
Forest City, Iowa · FDIC Cert #16307
Manufacturers Bank&Trust Co is an FDIC-insured bank (Certificate #16307) with $769M in total assets and $664M in total deposits as of the Q2 2024 Call Report. Headquartered in Forest City, Iowa, the bank maintains a Tier 1 capital ratio of 10.95% (Well-Capitalized) and a nonperforming loan ratio of 0.34%. BankHealthData assigns a composite Health Grade of B (75/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Manufacturers Bank&Trust Co (FDIC cert 16307) is a community bank — $769M in total assets, $664M in deposits, serving the Forest City, Iowa area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 10.95% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.34% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 22.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.88% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Manufacturers Bank&Trust Co carries a composite BankHealth grade of B (75/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Manufacturers Bank&Trust Co
- Total Assets
- $769M
- Total Deposits
- $664M
- Tier 1 Capital Ratio
- 10.95%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.34%
- Liquidity Ratio
- 22.85%
- Return on Assets
- 0.88%
- Headquarters
- Forest City, Iowa
- FDIC Certificate
- #16307
- Health Grade
- B (75/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Manufacturers Bank&Trust Co holds a Tier 1 capital ratio of 10.95%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Manufacturers Bank&Trust Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Manufacturers Bank&Trust Co shows strong financial health indicators. With $769M in assets and a Health Score of 75/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Manufacturers Bank&Trust Co Compares
Manufacturers Bank&Trust Co’s Health Score of 75 is 7 points above the Iowa state average of 68 across 162 FDIC-insured banks. Its 10.95% Tier 1 capital ratio is 3.0 points below the US banking industry average near 14%. The 0.34% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.88% is below the national ROA benchmark of ~1.1%. Among 1185 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Manufacturers Bank&Trust Co is 5 points above the portfolio average of 70.
Frequently Asked Questions
Manufacturers Bank&Trust Co has a Bank Health Score of B (75/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 10.95%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Manufacturers Bank&Trust Co's Tier 1 capital ratio of 10.95% and nonperforming loan ratio of 0.34% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Manufacturers Bank&Trust Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #16307). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Manufacturers Bank&Trust Co holds $769M in total assets and $664M in total deposits. It is headquartered in Forest City, Iowa (FDIC Certificate #16307).
Manufacturers Bank&Trust Co has a Tier 1 capital ratio of 10.95%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.34%, and the return on assets is 0.88%.
Yes. Manufacturers Bank&Trust Co is FDIC-insured (Certificate #16307). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Manufacturers Bank&Trust Co's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.