Manufacturers&Traders Tr Co
Buffalo, New York · FDIC Cert #588
Manufacturers&Traders Tr Co is an FDIC-insured bank (Certificate #588) with $208.4B in total assets and $163.7B in total deposits as of the Q2 2024 Call Report. Headquartered in Buffalo, New York, the bank maintains a Tier 1 capital ratio of 12.16% (Well-Capitalized) and a nonperforming loan ratio of 1.72%. BankHealthData assigns a composite Health Grade of B (77/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Manufacturers&Traders Tr Co (FDIC cert 588) is a mega-bank: $208.4B in total assets, $163.7B in deposits, headquartered in Buffalo, New York. Banks at this scale account for the bulk of U.S. banking assets and operate under enhanced prudential standards from the Federal Reserve, OCC, and FDIC.
Capital position is strong: Tier 1 capital ratio of 12.16% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 1.72% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is comfortable: 26.6% of assets in liquid form — sufficient to cover meaningful deposit-outflow scenarios without forced asset sales.
Profitability is solid: ROA of 1.48% 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 improving: the bank's composite score is up materially over the most recent quarters in the dataset. Improving trends usually reflect either capital strengthening, asset-quality recovery, or sustained profitability gains. Manufacturers&Traders Tr Co carries a composite BankHealth grade of B (77/100) 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&Traders Tr Co
- Total Assets
- $208.4B
- Total Deposits
- $163.7B
- Tier 1 Capital Ratio
- 12.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 1.72%
- Liquidity Ratio
- 26.56%
- Return on Assets
- 1.48%
- Headquarters
- Buffalo, New York
- FDIC Certificate
- #588
- Health Grade
- B (77/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Manufacturers&Traders Tr Co holds a Tier 1 capital ratio of 12.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Manufacturers&Traders Tr Co has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Manufacturers&Traders Tr Co shows strong financial health indicators. With $208.4B in assets and a Health Score of 77/100, 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&Traders Tr Co Compares
Manufacturers&Traders Tr Co’s Health Score of 77 is 6 points above the New York state average of 71 across 130 FDIC-insured banks. Its 12.16% Tier 1 capital ratio is 1.8 points below the US banking industry average near 14%. The 1.72% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.48% is in line with or above the national ROA benchmark of ~1.1%. Among 20 similarly-sized banks, the average Health Score is 83, meaning this bank ranks below its size cohort. Site-wide, Manufacturers&Traders Tr Co is 7 points above the portfolio average of 70.
Frequently Asked Questions
Manufacturers&Traders Tr Co has a Bank Health Score of B (77/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.16%, 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&Traders Tr Co's Tier 1 capital ratio of 12.16% and nonperforming loan ratio of 1.72% 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&Traders Tr Co is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #588). 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&Traders Tr Co holds $208.4B in total assets and $163.7B in total deposits. It is headquartered in Buffalo, New York (FDIC Certificate #588).
Manufacturers&Traders Tr Co has a Tier 1 capital ratio of 12.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 1.72%, and the return on assets is 1.48%.
Yes. Manufacturers&Traders Tr Co is FDIC-insured (Certificate #588). 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&Traders Tr 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.