Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

MANUFACTURERS&TRADERS TR CO

FDIC #588 · NY · period 20260630

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Total assets123,952,413+1.04% YoY

Total deposits95,316,346-3.49% YoY

Net loans and leases86,558,975-1.69% YoY

Return on assets0.99%-13.42% YoY

Return on equity7.97%-17.07% YoY

Net interest margin3.18%-4.36% YoY

Peer position

Return on assets71ststrength · n=35

Return on equity42ndin line · n=33

Net interest margin74thstrength · n=35

Equity to assets85thstrength · n=33

Noncurrent loans24thopportunity · n=33

Liquid assets52ndin line · n=33

Brokered deposits64thin line · n=33

Loans to deposits58thin line · n=33

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	123,952,413	95,316,346	86,558,975	0.99	7.97	3.18
2016-06-30	123,130,306	95,734,124	87,225,661	1.05	8.44	3.17
2016-09-30	126,239,147	99,490,008	88,367,894	1.07	8.75	3.13
2016-12-31	122,631,667	97,292,108	89,581,534	1.08	8.83	3.15
2017-03-31	122,682,502	98,758,613	88,045,679	1.14	9.61	3.33
2017-06-30	120,357,682	95,223,608	87,819,700	1.20	10.07	3.40
2017-09-30	119,875,526	95,154,455	86,672,845	1.26	10.49	3.45
2017-12-31	118,072,176	94,418,502	86,754,024	1.21	10.03	3.50
2018-03-31	118,088,964	92,440,108	86,483,096	1.50	12.18	3.69
2018-06-30	117,913,671	90,422,793	86,593,782	1.58	12.83	3.76
2018-09-30	116,372,739	90,725,168	85,489,226	1.65	13.28	3.82
2018-12-31	119,636,147	91,644,153	87,281,714	1.70	13.69	3.86
2019-03-31	119,582,418	92,033,873	87,468,661	1.63	13.02	3.96
2019-06-30	121,114,564	93,184,133	88,698,582	1.65	13.17	3.92
2019-09-30	125,040,594	96,701,239	88,644,626	1.61	12.96	3.87
2019-12-31	119,432,105	96,441,567	89,742,666	1.62	12.99	3.86
2020-03-31	124,147,394	101,789,040	92,629,367	0.83	6.67	3.65
2020-06-30	139,153,362	116,395,416	96,005,524	0.78	6.49	3.43
2020-09-30	138,246,208	116,427,052	96,582,100	0.89	7.48	3.32
2020-12-31	142,219,684	121,149,476	96,699,551	1.00	8.52	3.29
2021-03-31	150,095,653	129,834,195	97,569,747	1.23	11.18	3.01
2021-06-30	150,194,813	129,721,471	95,451,019	1.23	11.21	2.92
2021-09-30	151,472,711	130,807,454	91,987,158	1.26	11.55	2.90
2021-12-31	154,617,469	133,717,284	91,366,547	1.23	11.28	2.85
2022-03-31	149,417,607	128,747,728	90,263,062	0.89	8.16	2.64
2022-06-30	203,656,265	173,101,323	126,594,660	0.67	5.88	3.06
2022-09-30	197,678,680	167,094,730	126,329,531	0.92	7.89	3.39
2022-12-31	200,262,969	165,980,984	129,656,599	1.10	9.32	3.62
2023-03-31	202,362,791	161,609,047	131,002,549	1.41	11.39	4.13
2023-06-30	207,098,325	165,294,043	131,395,410	1.41	11.53	4.07
2023-09-30	208,606,449	166,863,919	130,342,599	1.40	11.42	4.02
2023-12-31	207,770,947	167,315,431	132,006,502	1.29	10.54	3.97
2024-03-31	214,668,315	170,520,069	132,816,787	1.04	8.47	3.67
2024-06-30	208,377,728	163,719,940	132,825,124	1.16	9.32	3.71
2024-09-30	211,332,135	167,653,822	133,777,643	1.24	9.81	3.72
2024-12-31	207,556,263	165,412,981	133,453,813	1.27	9.91	3.74
2025-03-31	209,801,428	169,294,179	132,428,012	1.18	8.87	3.75
2025-06-30	211,042,013	168,409,138	133,972,047	1.29	9.67	3.76
2025-09-30	210,741,944	167,652,764	134,872,037	1.37	10.22	3.81
2025-12-31	212,887,157	171,492,971	136,667,601	1.40	10.49	3.83
2026-03-31	214,201,000	167,256,000	137,886,000	1.27	9.61	3.83
2026-06-30	218,788,000	172,325,000	141,120,000	1.40	10.70	3.84

Structure and branch footprint

962 current branch locations across 14 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2025-10-01	1	4673877	501105
2025-04-01	1	2708083	501105
2025-02-28	1	2879956	501105
2022-04-02	1	613307	501105
2019-09-02	1	2868802	501105
2019-09-02	1	3008360	501105
2015-11-01	1	564605	501105
2011-07-01	7	272218	501105
2011-05-16	7	2214052	501105
2011-05-16	7	272218	501105
2010-11-06	50	357375	501105
2009-08-29	50	250878	501105
2009-05-23	1	437521	501105
2009-05-23	1	2846284	501105
2009-04-02	1	3299533	501105
2007-12-01	1	516305	501105
2007-12-01	1	76117	501105
2007-01-01	1	1966578	501105
2003-07-04	1	55916	501105
2003-06-14	1	2861335	501105

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.