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Manufacturers and Traders Trust Company
Buffalo, NY·FDIC Cert #588·Charter: STATE·Est. 18560101.0·HC: M&T BANK CORP
Total Assets
$212.9B
Q4 2025
Return on Assets
1.40%
+0.04%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
53.40%
Peer avg: 53.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.40%+0.04
ROE
10.49%+0.27
Efficiency
53.40%-0.54
Equity/Assets
0.00%+0.00
NPL Ratio
1.40%-0.10
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
79.69%-0.75
Charge-offs
0.41%+0.04
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.2 | 1.2 | 1.3 | 1.2 | 1.3 | 1.4 | 1.4 |
| ROE | 8.5 | 9.3 | 9.8 | 9.9 | 8.9 | 9.7 | 10.2 | 10.5 |
| Efficiency | 58.7 | 56.0 | 54.9 | 54.6 | 57.8 | 55.2 | 53.9 | 53.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.0 | 1.7 | 1.7 | 1.6 | 1.5 | 1.5 | 1.5 | 1.4 |
| Charge-offs | 0.4 | 0.4 | 0.4 | 0.4 | 0.3 | 0.3 | 0.4 | 0.4 |
| Loan/Deposit | 77.9 | 81.1 | 79.8 | 80.7 | 78.2 | 79.6 | 80.4 | 79.7 |
Balance Sheet
Total Assets$212.9B
Total Deposits$171.5B
Total Loans$136.7B
Total Equity$28.3B
Profitability
ROA1.40%
ROE10.49%
Efficiency Ratio53.40%
Net Income$2.9B
Risk & Asset Quality
NPL Ratio1.40%
Charge-off Rate0.41%
Loan/Deposit79.69%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans