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Q2 2026 · read from the 30 June 2026 Call Report · United States · Mid-Atlantic · New York, the state note

Manufacturers & Traders Trust Co.

Buffalo, New York · $218.79B in assets · beside the 11 other New York banks over $10B

The filing

1.40%
ROA
1st of 7
12.9%
Equity / assets
2nd of 7
53.9%
Efficiency
2nd of 7

Manufacturers & Traders Trust Co. is the second largest of the 12 New York banks nearest its size over $10B, with $218.79B in assets at 30 June 2026. Loans are 83.2% of deposits, 5th of 12 against a median of 86.2%, and equity is 12.9% of assets, 2nd of 7. Loans grew +5.2% in the year, 8th of 12, and deposits grew 2.3%; the cohort's median loan growth is +6.9%.

Noncurrent loans are 1.35% of the book, 10th of 12 against a median of 0.53%; 1.01% is 30 to 89 days past due, and the allowance covers them 1.1 times. Net charge-offs are 0.26% of loans, 6th of 7. Commercial real estate is 16.8% of loans, 7th of 12 against a median of 13.8%, and 104% of capital, below the 300% screen, with construction at 14% against the 100% screen.

Return on assets is 1.40%, the highest in the cohort against a median of 1.13%, on an efficiency ratio of 53.9%, 2nd of 7. Five years ago it was 1.20%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsNY banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.13% MT Manufacturers & Traders Trust Co. 1.40% NB NBT Bank National Association 1.21% CB Community Bank National Association 1.17% MS Morgan Stanley Private Bank N.A. 1.13% DB Deutsche Bank Trust Co. Americas 0.98% AB Apple Bank 0.39% FB Flagstar Bank National Association 0.13%
Loans, year over yearNY banks over $10B · 30 June 2026 · no better direction, largest first
median +6.9% BB Banco Bilbao Vizcaya Sa +64.1% SC Standard Chartered Bank PLC +24.4% MS Morgan Stanley Private Bank N.A. +19.9% Bo Bank of Baroda +14.5% Bo Bank of China +9.9% CB Community Bank National Association +7.3% AB Apple Bank +6.6% MT Manufacturers & Traders Trust Co. +5.2% NB NBT Bank National Association +2.1% SB State Bank of India -1.4% DB Deutsche Bank Trust Co. Americas -3.7% FB Flagstar Bank National Association -5.0%

SBA 7(a), FY2008 to FY2026

Manufacturers & Traders Trust Co. is the 1st largest 7(a) lender into New York of 402, with $1.26B across 10,321 loans, 6.5% of everything approved in the state (Manufacturers and Traders Trust Company leads with $1.26B). 64 of its 327 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in New York, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Erie, NY$254M1st of 9429.5%-3.2 pts
Monroe, NY$184M1st of 8922.7%-5.8 pts
Baltimore, MD$139M1st of 13017.7%-2.9 pts
Montgomery, MD$121M1st of 14413.5%-0.6 pts
Onondaga, NY$114M1st of 9025.3%-9.2 pts
Anne Arundel, MD$98M1st of 11614.1%-5.8 pts
Baltimore City, MD$88M1st of 11917.1%-0.1 pts
Fairfax, VA$88M2nd of 1697.2%-0.7 pts
Hartford, CT$81M1st of 10114.6%-0.9 pts
Howard, MD$78M1st of 11417.1%-5.4 pts
Suffolk, NY$67M5th of 1743.7%-0.9 pts
York, PA$67M1st of 8018.1%-2.8 pts
New Castle, DE$58M2nd of 1219.3%+3.4 pts
314 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Retail trade3,916$496M12.8%0.81%21st of 2,589
Construction4,510$493M12.7%1.55%8th of 2,063
Accommodation & food services3,235$455M11.7%0.59%44th of 2,596
Manufacturing1,997$418M10.8%1.06%17th of 2,246
Professional & technical services3,274$405M10.5%1.25%15th of 1,955
7(a) lenders into New York, share of approvals since FY2008402 lenders on record; the ten largest and Manufacturers &
Ma Manufacturers and Traders Trust C… 6.5% $1.26B · 10,321 loans N Newbank 6.4% $1.24B · 1,163 loans JC JPMorgan Chase Bank, National Ass… 5.6% $1.09B · 8,716 loans TB TD Bank, National Association 5.5% $1.07B · 8,357 loans LO Live Oak Banking Company 4.0% $774M · 638 loans KN KeyBank National Association 3.7% $717M · 3,387 loans NS Newtek Small Business Finance, In… 2.9% $571M · 760 loans FB Finwise Bank 2.8% $542M · 476 loans Bo Bank of Hope 2.7% $518M · 1,174 loans DC Dime Commercial Bank 2.6% $507M · 575 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Manufacturers &RankCohort median
Total CRE against capital, the 300% screen104%3rd of 7201%
Construction against capital, the 100% screen14%5th of 714%
Construction and land development, share of loans2.3%8th of 121.9%
Non-owner-occupied nonfarm nonresidential, share of loans9.5%3rd of 711.4%
Total CRE, the guidance definition, share of loans16.8%7th of 1213.8%
CRE growth over 36 months, the third prong-27.4%3rd of 10+5.0%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Morgan Stanley Private Bank N.A.$250.43B1.1%25.0%0.20%0.01%0.2%88.5%6.8%
Manufacturers & Traders Trust Co.$218.79B1.4%53.9%1.35%0.26%1.5%83.2%12.9%
Flagstar Bank National Association$87.71B0.1%89.9%4.97%0.58%1.4%90.6%9.3%
Standard Chartered Bank PLC$69.15Bno recordno record0.60%no recordno record52.6%no record
Banco Bilbao Vizcaya Sa$58.37Bno recordno record0.51%no recordno record201.3%no record
Bank of China$48.52Bno recordno record1.63%no recordno record71.1%no record
Deutsche Bank Trust Co. Americas$40.53B1.0%63.7%0.92%0.00%0.2%55.1%24.5%
State Bank of India$22.51Bno recordno record0.00%no recordno record107.5%no record
Apple Bank$19.89B0.4%80.2%0.44%0.04%0.4%85.6%8.1%
Community Bank National Association$17.45B1.2%58.0%0.50%0.11%0.8%75.9%9.6%
Bank of Baroda$16.24Bno recordno record0.00%no recordno record104.7%no record
NBT Bank National Association$16.09B1.2%59.2%0.55%0.16%1.2%86.8%11.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Manufacturers &Cohort median
20212026Change20212026Change
Loans$97.02B$143.29B+48%$11.70B$16.53B+41%
Deposits$129.72B$172.32B+33%$16.71B$22.07B+32%
NPA / loans3.42%1.35%-2.07 pts0.60%0.53%-0.06 pts
Efficiency57.6%53.9%-3.7 pts57.6%59.2%+1.7 pts
ROA1.20%1.40%+0.19 pts1.08%1.13%+0.05 pts

This read was prepared for Manufacturers & Traders Trust Co.'s board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Manufacturers & Traders Trust Co. is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort NY banks over $10B
Institution www.mtb.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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