$140B
+4.0%y/y
Percentile by value89th percentileby value
FDIC
LNLSGRMT
Manufacturers and Traders Trust Company
Buffalo, New YorkFDIC Cert #588
STATEEstablished 1856983 branches
Holding company: M&T BANK CORPRegulator: FED
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $10.4B |
| Investor CRE | $12.9B |
| Multifamily | $6.63B |
| Construction | $3.41B |
| 1–4 family | $29.7B |
| C&I | $33.7B |
| Agriculture | $195M |
| Other | $43.1B |
Loan book
Reported balances and balance-sheet intensity.
$138B
+4.1%y/y
Percentile by value89th percentileby value
FDIC
LNLSNET+4.12%
+1,508.0%y/y
Percentile by value32nd percentileby value
FDIC
LNLSNET82.4%
+5.4%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET + DEP64.4%
+2.0%y/y
Percentile by value40th percentileby value
FDIC
LNLSNET + ASSET48.57%
−3.9%y/y
Percentile by value35th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
102%
−13.6%y/y
Percentile by value33rd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC15%
−44.2%y/y
Percentile by value39th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,211points
+2.2%y/y
Peer standing80th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD7.45%
−1.3%y/y
Percentile by value52nd percentileby value
FDIC
LNRENROW + LNLSGR9.20%
−10.9%y/y
Percentile by value36th percentileby value
FDIC
LNRENROT + LNLSGR24.10%
+3.1%y/y
Percentile by value78th percentileby value
FDIC
LNCI + LNLSGR