TellerScore

Manufacturers Bank & Trust Company (FDIC certificate #16307) is based in Forest City, Iowa. Its Q2 2026 call report shows $738.2M in total assets and $640.4M in deposits and 9 offices across 2 states.

Manufacturers Bank & Trust Company has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 152nd. Problem-loan coverage contributes the most (89/100, 5.5%); capital cushion contributes the least (54/100, 10.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.44%
Loan quality69/100
Noncurrent loans ÷ total loans: 0.94%
Earnings73/100
Return on assets (annualized): 1.31%
Funding & liquidity75/100
Loans ÷ deposits and uninsured-deposit share: 79.3% · 19.9% uninsured
Problem-loan coverage89/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 68).

TellerScore
596571Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202462
Q1 202564
Q2 202569
Q3 202559
Q4 202571
Q1 202669
Q2 202668
Tier 1 leverage ratio
5.00%7.72%10.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.53%
Q3 20249.28%
Q4 20249.43%
Q1 20259.72%
Q2 202510.04%
Q3 202510.23%
Q4 202510.35%
Q1 202610.37%
Q2 202610.44%
Noncurrent loans
0.34%1.01%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.65%
Q4 20240.83%
Q1 20250.75%
Q2 20250.58%
Q3 20251.69%
Q4 20250.53%
Q1 20260.72%
Q2 20260.94%
Return on assets
0.86%1.09%1.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.86%
Q3 20240.93%
Q4 20240.92%
Q1 20250.94%
Q2 20251.18%
Q3 20251.19%
Q4 20251.23%
Q1 20261.15%
Q2 20261.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$738.2M10.44%0.94%1.31%79.3%
Q1 202669$727.8M10.37%0.72%1.15%80.2%
Q4 202571$738.5M10.35%0.53%1.23%80.8%
Q3 202559$726.3M10.23%1.69%1.19%81.3%
Q2 202569$727.1M10.04%0.58%1.18%80.6%
Q1 202564$731.4M9.72%0.75%0.94%81.0%
Q4 202462$747.3M9.43%0.83%0.92%82.8%
Q3 202463$747.5M9.28%0.65%0.93%84.6%
Q2 202464$769.4M8.53%0.34%0.86%79.2%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.44%
40th
Total risk-based capital14.13%
63rd
Problem loans0.94%
29th
Net charge-offs-0.00%
81st
Return on assets1.31%
54th
Net interest margin3.66%
35th
Efficiency ratio65.7%
40th
Loans to deposits79.3%
51st
Uninsured deposits19.9%
65th
Loan-loss reserves1.52%
80th
Texas ratio5.5%
32nd

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
First BankBank Waverly, IA78 out of 100, Strong$739.9M12.7%0.54%vs
Green Belt Bank & TrustBank Iowa Falls, IA71 out of 100, Strong$758.7M9.2%0.04%vs
Midwest Heritage Bank, FSBBank West Des Moines, IA68 out of 100, Moderate$768.3M12.8%1.78%vs
First Central State BankBank Dewitt, IA83 out of 100, Strong$772.4M13.4%0.21%vs
City State BankBank Norwalk, IA72 out of 100, Strong$787.9M9.4%0.27%vs
Decorah Bank & Trust CompanyBank Decorah, IA74 out of 100, Strong$794.1M10.4%0.49%vs

Deposit insurance

Is my money safe at Manufacturers Bank & Trust Company?

Yes. Manufacturers Bank & Trust Company is an FDIC-insured institution (FDIC certificate #16307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.9% of deposits ($127.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.44%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.13% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Manufacturers Bank & Trust Company lists 9 offices in 9 cities across 2 states. Most locations:

  • Austin, MN (1)
  • Blooming Prairie, MN (1)
  • Clear Lake, IA (1)
  • Dodge Center, MN (1)
  • Forest City, IA (1)
  • Hayfield, MN (1)
  • Lake Mills, IA (1)
  • Mantorville, MN (1)
  • Rochester, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Manufacturers Bank & Trust Company reported 257 home-loan applications under HMDA (LEI 254900U7G0LJ4QNSFC86): 224 originated ($43,530,000 total), 3 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Manufacturers Bank & Trust Company
Type
State-chartered bank
FDIC certificate #
16307
RSSD ID
215345
Primary regulator
FDIC
Holding company
Mbt Corp
Established
September 1, 1945
Headquarters
245 E J St, Forest City, IA 50436
Employees
117

Quick answers

Manufacturers Bank & Trust Company: common questions

Is Manufacturers Bank & Trust Company FDIC insured?

Yes. Manufacturers Bank & Trust Company is an FDIC-insured institution (FDIC certificate #16307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Manufacturers Bank & Trust Company's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Manufacturers Bank & Trust Company ever failed?

There is no failure record for FDIC certificate #16307 in the FDIC failed bank list.

How many branches does Manufacturers Bank & Trust Company have?

9 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Forest City

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Britt, IA93 out of 100, Very strong$125.9M17.7%0.00%vs
Citizens Community Credit UnionCredit union Fort Dodge, IA88 out of 100, Very strong$253.6M19.1%0.73%vs
First Citizens BankBank Mason City, IA81 out of 100, Strong$1.8B12.0%0.16%vs
Clear Lake Bank and Trust CompanyBank Clear Lake, IA75 out of 100, Strong$649.3M8.5%0.00%vs
Farmers State BankBank Northwood, IA74 out of 100, Strong$221.4M12.7%0.77%vs
Farmers Trust and Savings BankBank Buffalo Center, IA74 out of 100, Strong$422.7M9.9%0.06%vs