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BDI
MT

Manufacturers and Traders Trust Company

Buffalo, New YorkFDIC Cert #588

STATEEstablished 1856983 branches

Holding company: M&T BANK CORPRegulator: FED

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.95%
−11.4%y/y
Peer standing10th percentile
Peer standing in asset:gte_10b
FDICP3ASSET + LNLSGR
90+ %
0.56%
+57.6%y/y
Peer standing10th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + LNLSGR
Nonaccrual %
0.88%
−22.6%y/y
Peer standing25th percentile
Peer standing in asset:gte_10b
FDICNAASSET + LNLSGR
Noncurrent %
1.44%
−3.7%y/y
Peer standing15th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.95%
−2.3%y/y
Peer standing16th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.04B
−0.2%y/y
Peer standing8th percentile
Peer standing in asset:gte_10b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.31%
−9.3%y/y
Peer standing31st percentile
Peer standing in asset:gte_10b
FDICNTLNLS + LNLSGR
NCO
$105M
−7.9%y/y
Peer standing15th percentile
Peer standing in asset:gte_10b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.52%
−6.7%y/y
Percentile by value80th percentileby value
Peer standing in asset:gte_10b
FDICLNATRES + LNLSGR
30–89
$1.33B
−7.8%y/y
Peer standing6th percentile
Peer standing in asset:gte_10b
FDICP3ASSET
90+
$780M
+63.9%y/y
Peer standing6th percentile
Peer standing in asset:gte_10b
FDICP9ASSET
Nonaccrual
$1.24B
−19.5%y/y
Peer standing11th percentile
Peer standing in asset:gte_10b
FDICNAASSET