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Manufacturers and Traders Trust Company


Phone: 800 724 2440

ACH Number: 022000046

SWIFT Code: CETCUS31XXX

Manufacturers and Traders Trust Company is an FDIC insured institution headquartered at 1 M And T Plz, Buffalo, NY 14203.
It was founded in 1856 and has approximately $213 billion in assets. Customers can open an account at one of its 869 branches.

Deposit Rates - July 16, 2026

SAVINGS RATES APY MIN
SAV
0.01% $1 Compare
CD RATES APY MIN
3 Mo CD
3.40% $1,000 Compare
6 Mo CD
3.25% $1,001 Compare
12 Mo CD
3.70% $1,000 Compare
18 Mo CD
3.85% $1,000 Compare
24 Mo CD
3.00% $1,000 Compare
36 Mo CD
0.10% $1,000 Compare
48 Mo CD
0.10% $1,000 Compare
60 Mo CD
0.10% $1,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.01% $1




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 588
Date Established 1856
Assets $ 212.89 billion
Loans $ 136.67 billion
Deposits $ 171.49 billion
Capital $ 28.33 billion

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions $ 18.70 billion
Interest-bearing balances $ 17.00 billion
Total securities $ 35.84 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 136.67 billion
Loan loss allowance $ 2.12 billion
Trading account assets $ 55.78 million
Bank premises and fixed assets N.A.
Other real estate owned $ 22.15 million
Goodwill and other intangibles $ 8.95 billion
All other assets $ 8.85 billion
     Total Assets $ 184.55 billion

LIABILITIES
Total deposits $ 171.49 billion
      Interest-bearing deposits $ 123.73 billion
      Deposits held in domestic offices $ 171.47 billion
      % insured (estimated)" 50.86%
Federal funds purchased and repurchase agreements $ 48.87 million
Trading liabilities N.A.
Other borrowed funds $ 771.72 million
Subordinated debt $ 1,239.49 million
All other liabilities $ 3.57 billionn
      Total Liabilities $ 184.55 billion
      Shareholders’ Equity $ 28.33 billion

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income $ 10.48 billion
Total Interest Expense $ 3.28 billion
Net interest income $ 7.19 billion
Provision for loan and lease losses $ 505.35 million
Total non interest income $ 2.17 billion
Total non interest expense $ 5.04 billion
Pre-tax Net Operating Income $ 735.74 million

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