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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 — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
78
/ 100
StableAs of 2024-Q1QoQ +1

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

Quarterly Headline

2024-Q1

Bank #501105 2024-Q1 Vital Signs Score: 78/100 — 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

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.01% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +1 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +2
  • Reserves
    ↑ 0

The five pillars

Liquidity

StrongQoQ +1
89
Sub-score

Liquidity is strong: brokered 7.4%, loans/deposits 77.9%.

Cash / Assets
—
Loans / Deposits
77.90%
Brokered %
7.39%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.6% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.62%
No watch items at this period.

Capitalization

StableQoQ +2
71
Sub-score

Capital position is stable: Tier 1 RBC 11.66%, leverage 8.54%.

Tier 1 RBC
11.66%
CET1
—
Leverage
8.54%
No watch items at this period.

Asset Quality

StableQoQ +2
77
Sub-score

Asset quality is stable: Adjusted NPL 2.01%, Texas Ratio 13.2%, NCO YTD 0.41%.

Adjusted NPL
2.01%
Govt-guarantees stripped
Texas Ratio
13.2%
NCO YTD
0.41%
30-89 PD
1.06%
Band 0.3% / 3.0%
90+ PD
0.28%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.01% (govt-guarantees stripped).

Reserves

WatchQoQ 0
52
Sub-score

Reserves are deteriorating: ALLL 1.62% of loans, coverage 81.9%, true coverage 54.6%.

ALLL / Loans
1.62%
Coverage
81.9%
True Loss Coverage
54.6%
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