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Manufacturers And Traders Trust Company

IDRSSD: 501105
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
76
/ 100
StableAs of 2023-Q4QoQ -10

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #501105 2023-Q4 Vital Signs Score: 76/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q3 2023:
↓ -10 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -3
87
Sub-score

Liquidity is strong: brokered 8.3%, loans/deposits 78.9%.

Cash / Assets
—
Loans / Deposits
78.91%
Brokered %
8.33%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 11.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
11.08%
No watch items at this period.

Capitalization

StableQoQ -2
70
Sub-score

Capital position is stable: Tier 1 RBC 11.53%, leverage 8.47%.

Tier 1 RBC
11.53%
CET1
—
Leverage
8.47%
No watch items at this period.

Asset Quality

StableQoQ -15
75
Sub-score

Asset quality is stable: Adjusted NPL 1.98%, Texas Ratio 13.2%, NCO YTD 0.45%.

Adjusted NPL
1.98%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.45%
30-89 PD
1.31%
Band 0.3% / 3.0%
90+ PD
0.34%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Watch
52
Sub-score

Reserves are deteriorating: ALLL 1.59% of loans, coverage 81.4%, true coverage 54.0%.

ALLL / Loans
1.59%
Coverage
81.4%
True Loss Coverage
54.0%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 10:40:07 UTC