BankRankedManufacturers and Traders Trust Company
ROA: StrongBuffalo, NY | Charter: SM | Holding Company: M&T BANK CORP
Established: 1856-01-01
Total Assets
$212.89B
Total Deposits
$171.49B
Net Income
$2.95B
Branches
983
FDIC data last updated: April 2, 2026
Overview
Manufacturers and Traders Trust Company is a large regional bank, headquartered in Buffalo, NY. With $212.89B in total assets, Manufacturers and Traders Trust Company holds a notable position in the U.S. banking landscape (Source: FDIC BankFind). The institution operates under a SM charter. It is part of the M&T BANK CORP holding company.
Manufacturers and Traders Trust Company holds approximately $171.49B in total deposits (Source: FDIC BankFind). With 983 branches, the bank maintains a moderate physical presence. Established 1856-01-01, the institution has a track record in the banking industry.
This profile uses publicly available government data to present a factual overview. It does not constitute an endorsement or recommendation of this institution. Consumers may wish to consider factors such as account fees, digital banking features, and customer service when evaluating any bank.
Financial Health Analysis
Return on Assets (ROA)
1.40%
National avg: 1.21%
Return on Equity (ROE)
10.49%
National avg: 11.47%
FDIC Insured
Yes
Up to $250,000 per depositor
Manufacturers and Traders Trust Company reports a Return on Assets (ROA) of 1.40%, which is near or above the national average of 1.21%, which typically suggests adequate profitability (Source: FDIC BankFind). In practical terms, an ROA of 1.40% means that for every $100 in assets, the bank generates approximately $1.40 in profit.
The bank's Return on Equity (ROE) is 10.49%, which is below the national average of 11.47%, which may indicate lower efficiency in generating shareholder returns (Source: FDIC BankFind). ROE measures how effectively a bank uses shareholder equity to generate profit.
Manufacturers and Traders Trust Company reported positive net income of $2.95B in the most recent reporting period (Source: FDIC BankFind). Net income reflects overall profitability after all expenses, taxes, and provisions.
Past financial performance does not guarantee future stability or profitability. These metrics reflect a single reporting period and may vary from quarter to quarter. Consult a licensed financial professional before making banking decisions based on financial data.
Manufacturers and Traders Trust Company vs. national average
National averages calculated from all active FDIC-insured banks.
Customer Experience
CFPB complaint data is not available for Manufacturers and Traders Trust Company. This is common for smaller community banks and does not indicate a problem. The CFPB Consumer Complaint Database primarily tracks complaints for larger financial institutions that serve a high volume of consumers.
Branch and Access
With 983 branches, Manufacturers and Traders Trust Company maintains a substantial physical presence across multiple markets (Source: FDIC BankFind). Customers who value in-person banking may find this network convenient, though coverage varies by region.
The bank is headquartered in Buffalo, NY. Consumers considering this institution may want to verify branch locations near their home or workplace, as headquarter location does not always indicate where branches are concentrated.
Branch access is one factor in choosing a bank. Consumers who primarily use mobile and online banking may prioritize digital features and rates over physical branch proximity.
View banks in NYHow Manufacturers and Traders Trust Company compares to similar-sized banks
| Bank | Assets |
|---|---|
| Manufacturers and Traders Trust Company | $212.89B |
| The Bank of New York Mellon | $381.00B |
| State Street Bank and Trust Company | $360.68B |
| TD Bank | $346.19B |
| Morgan Stanley Private Bank | $254.71B |
Data Sources
FDIC BankFind: Financial data including total assets, deposits, net income, ROA, and ROE for all FDIC-insured institutions. https://banks.data.fdic.gov/
CFPB Consumer Complaint Database: Consumer complaint data by institution, including complaint volumes, response rates, and top issue categories. https://www.consumerfinance.gov/data-research/consumer-complaints/
Federal Reserve Economic Data (FRED): Interest rate benchmarks including the Federal Funds Rate, Treasury yields, and national savings rate averages. https://fred.stlouisfed.org/
BankRanked is not a bank, credit union, or financial advisor. This content is for educational purposes only and does not constitute financial advice. All data is sourced from publicly available government databases (FDIC, NCUA, CFPB, FRED). Consult a licensed financial professional before making banking decisions.