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Examined: Sat, 25 Apr 2026 19:37:00 GMT

Manufacturers and Traders Trust Company

RSSD 501105 · NY · Total assets $212,887M
Composite CAMELS
2
2 — Satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
1 finding
M
Management
2
0 findings
E
Earnings
2
0 findings
L
Liquidity
2
0 findings
S
Sensitivity
2
0 findings
0
Critical
0
High
1
Moderate
0
Low
24
Procedures run

Findings

MODERATE · Asset Quality Procedure A-01

Nonperforming loan ratio exceeds examination threshold

Citation
OCC Comptroller's Handbook, Rating Credit Risk (April 2001) - https://occ.treas.gov/publications-and-resources/publications/comptrollers-handbook/files/rating-credit-risk/index-rating-credit-risk.html; FFIEC UBPR User's Guide, Section III, Analysis of Past-Due, Nonaccrual & Restructured Loans and Leases - https://www.ffiec.gov/data/ubpr/report-user-guide
Evidence
Nonperforming loans consist of nonaccrual loans $2,117M plus loans 90 days or more past due and still accruing $429M, measured against total loans and leases $135,637M.
Recommended action
Provide board and management analysis of the nonperforming loan drivers, updated risk-rating support, workout and collection status for material credits, charge-off review support, and portfolio-level action plans for segments contributing to elevated nonperformance.

Key ratios computed

Tier 1 ratio
12.32%
↑ rank 19 of 33 · regional
Tier 1 leverage
9.48%
↑ rank 15 of 34 · regional
Total capital
13.70%
↑ rank 19 of 34 · regional
NPL ratio
1.56%
ACL coverage
103.15%
CRE concentration
59.56%
Construction conc.
28.27%
ROA (annualized)
1.27%
↑ rank 8 of 34 · regional
NIM
3.74%
↑ rank 5 of 34 · regional
Efficiency ratio
54.60%
↓ rank 11 of 34 · regional
Loans / Deposits
82.00%
Brokered / Deposits
6.54%
Uninsured / Deposits
46.67%
Liquid asset ratio
9.06%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$207,556M
23Q03$202,363M 23Q06$207,098M 23Q09$208,606M 23Q12$207,771M 24Q03$214,668M 24Q06$208,378M 24Q09$211,332M 24Q12$207,556M
Tier 1 leverage
9.48%
23Q038.98% 23Q068.89% 23Q098.95% 23Q128.83% 24Q038.90% 24Q069.22% 24Q099.72% 24Q129.48%
Tier 1 RBC ratio
12.32%
23Q0311.50% 23Q0611.47% 23Q0911.66% 23Q1211.53% 24Q0311.66% 24Q0612.16% 24Q0912.54% 24Q1212.32%
ROA (YTD ann.)
1.27%
23Q031.41% 23Q061.41% 23Q091.40% 23Q121.29% 24Q031.04% 24Q061.16% 24Q091.24% 24Q121.27%
NIM (YTD ann.)
3.74%
23Q034.13% 23Q064.07% 23Q094.02% 23Q123.97% 24Q033.67% 24Q063.71% 24Q093.72% 24Q123.74%
Efficiency ratio
54.6%
23Q0353.2% 23Q0652.1% 23Q0952.0% 23Q1253.9% 24Q0358.7% 24Q0656.0% 24Q0954.9% 24Q1254.6%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

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