Manufacturers&Traders Tr Co (FDIC #588): Bank Stress & Real-Estate Credit Exposure
Manufacturers&Traders Tr Co (FDIC Cert #588): bank stress 52/100, moderate, STABLE over 7 days; parent M&T BANK CORP (MTB).
Manufacturers&Traders Tr Co (#588) lends in 146 counties across 13 states; Manufacturers&Traders Tr Co (#588) reaches 4,279 ZIP codes: New York 39 counties, 1,372 ZIPs; Pennsylvania 30 counties, 863 ZIPs; Maryland 21 counties, 457 ZIPs; Virginia 12 counties, 141 ZIPs; New Jersey 11 counties, 398 ZIPs; Vermont 10 counties, 212 ZIPs.
Manufacturers&Traders Tr Co (#588) largest markets: Suffolk County, NY (3,924 branches, 109 ZIPs) (#588), Worcester County, MA (522 branches, 87 ZIPs) (#588), Middlesex County, MA (1,162 branches, 83 ZIPs) (#588), Westchester County, NY (1,326 branches, 78 ZIPs) (#588), Erie County, NY (3,168 branches, 72 ZIPs) (#588), New York County, NY (700 branches, 70 ZIPs) (#588).
Manufacturers&Traders Tr Co (#588) reports $218.79 billion in total assets; Manufacturers&Traders Tr Co (#588) equity $28.16 billion (12.9% of Manufacturers&Traders Tr Co (#588) assets); Manufacturers&Traders Tr Co (#588) domestic deposits $172.30 billion; Manufacturers&Traders Tr Co (#588) net income $1.51 billion; Manufacturers&Traders Tr Co (#588) return on assets 1.40%; Manufacturers&Traders Tr Co (#588) return on equity 10.70%; Manufacturers&Traders Tr Co (#588) net interest income $3.67 billion; Manufacturers&Traders Tr Co (#588) call report June 30, 2026.
Manufacturers&Traders Tr Co (#588) noncurrent real-estate loans 0.07% of its book; Manufacturers&Traders Tr Co (#588) commercial real estate -0.41%; Manufacturers&Traders Tr Co (#588) multifamily 0.29%; Manufacturers&Traders Tr Co (#588) residential 0.10%; Manufacturers&Traders Tr Co (#588) net charge-offs on real estate 2.18%; Manufacturers&Traders Tr Co (#588) commercial charge-offs 0.24%; Manufacturers&Traders Tr Co (#588) multifamily charge-offs 0.37%; Manufacturers&Traders Tr Co (#588) residential charge-offs 1.25%.
Manufacturers&Traders Tr Co (#588) net interest margin 3.84% against an eight-quarter Manufacturers&Traders Tr Co (#588) average of 3.79% (Manufacturers&Traders Tr Co (#588) compression -0.06 points); Manufacturers&Traders Tr Co (#588) real-estate loans 6.6% of equity; Manufacturers&Traders Tr Co (#588) commercial real estate 24.3% of equity; Manufacturers&Traders Tr Co (#588) non-residential real estate 125.2% of equity; Manufacturers&Traders Tr Co (#588) rate-exposure score 52/100, Manufacturers&Traders Tr Co (#588) fixed-rate trap 52/100; Manufacturers&Traders Tr Co (#588) risk type market signal; Manufacturers&Traders Tr Co (#588) rate regime rates elevated; Manufacturers&Traders Tr Co (#588) shares 14.7% below the 52-week high, Manufacturers&Traders Tr Co (#588) equity trend weakening, Manufacturers&Traders Tr Co (#588) snapshot October 19, 2026.
Manufacturers&Traders Tr Co (#588) stress score moved from 52.5 on June 22, 2026 to 52.4 on October 20, 2026; Manufacturers&Traders Tr Co (#588) ranged 52.4 to 52.5 over 117 snapshots.
Manufacturers&Traders Tr Co (#588) alerts: 38 counties; top Manufacturers&Traders Tr Co (#588) alert scores: Wayne County, NY 49 (moderate); Richmond County, NY 46 (moderate); Schenectady County, NY 46 (moderate); Washington County, NY 45 (moderate); Wyoming County, NY 43 (moderate).