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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-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
81
/ 100
StrongAs of 2024-Q2QoQ +3

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

Quarterly Headline

2024-Q2

Bank #501105 2024-Q2 Vital Signs Score: 81/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

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

What changed this quarter

Compared to Q1 2024:
↑ +3 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +8

The five pillars

Liquidity

StrongQoQ -1
88
Sub-score

Liquidity is strong: brokered 6.5%, loans/deposits 81.1%.

Cash / Assets
—
Loans / Deposits
81.14%
Brokered %
6.51%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 10.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
10.81%
No watch items at this period.

Capitalization

StableQoQ +6
77
Sub-score

Capital position is stable: Tier 1 RBC 12.16%, CET1 12.16%, leverage 8.85%.

Tier 1 RBC
12.16%
CET1
12.16%
Leverage
8.85%
No watch items at this period.

Asset Quality

StrongQoQ +3
81
Sub-score

Asset quality is strong: Adjusted NPL 1.75%, Texas Ratio 11.1%, NCO YTD 0.40%.

Adjusted NPL
1.75%
Govt-guarantees stripped
Texas Ratio
11.1%
NCO YTD
0.40%
30-89 PD
1.04%
Band 0.3% / 3.0%
90+ PD
0.23%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +8
60
Sub-score

Reserves are stable: ALLL 1.63% of loans, coverage 94.9%, true coverage 65.4%.

ALLL / Loans
1.63%
Coverage
94.9%
True Loss Coverage
65.4%
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