Manhattan Bank (FDIC certificate #11823) is based in Manhattan, Montana. Its Q2 2026 call report shows $287.1M in total assets and $252.7M in deposits and 4 offices.
Manhattan Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 10th. Problem-loan coverage contributes the most (96/100, 2.1%); capital cushion contributes the least (49/100, 9.90%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 2 points (77 → 75), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 74 |
| Q4 2024 | 75 |
| Q1 2025 | 76 |
| Q2 2025 | 77 |
| Q3 2025 | 78 |
| Q4 2025 | 79 |
| Q1 2026 | 78 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.55% |
| Q3 2024 | 9.72% |
| Q4 2024 | 9.80% |
| Q1 2025 | 9.55% |
| Q2 2025 | 9.89% |
| Q3 2025 | 10.03% |
| Q4 2025 | 10.05% |
| Q1 2026 | 10.04% |
| Q2 2026 | 9.90% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.03% |
| Q4 2024 | 0.02% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.02% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.35% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.05% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.31% |
| Q2 2026 | 1.41% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $287.1M | 9.90% | 0.35% | 1.41% | 63.0% |
| Q1 2026 | 78 | $279.5M | 10.04% | 0.01% | 1.31% | 66.9% |
| Q4 2025 | 79 | $274.7M | 10.05% | 0.03% | 1.39% | 68.5% |
| Q3 2025 | 78 | $268.7M | 10.03% | 0.02% | 1.35% | 68.8% |
| Q2 2025 | 77 | $264.2M | 9.89% | 0.02% | 1.34% | 68.3% |
| Q1 2025 | 76 | $275.3M | 9.55% | 0.02% | 1.31% | 66.5% |
| Q4 2024 | 75 | $263.0M | 9.80% | 0.02% | 1.15% | 71.8% |
| Q3 2024 | 74 | $258.4M | 9.72% | 0.03% | 1.05% | 74.7% |
| Q2 2024 | 73 | $258.6M | 9.55% | 0.04% | 1.04% | 71.8% |
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).
Similar-size banks in Montana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Three Rivers Bank of MontanaBank Kalispell, MT | 71 out of 100, Strong | $293.1M | 11.7% | 0.93% | vs |
| Bank of The RockiesBank Helena, MT | 68 out of 100, Moderate | $277.4M | 9.4% | 1.06% | vs |
| Bank of MontanaBank Missoula, MT | 75 out of 100, Strong | $308.6M | 8.9% | 0.00% | vs |
| Madison Valley BankBank Ennis, MT | 63 out of 100, Moderate | $263.7M | 9.2% | 1.27% | vs |
| Valley Bank of KalispellBank Kalispell, MT | 72 out of 100, Strong | $218.1M | 9.5% | 0.35% | vs |
| Valley Bank of RonanBank Ronan, MT | 69 out of 100, Moderate | $218.1M | 9.3% | 0.26% | vs |
Deposit insurance
Is my money safe at Manhattan Bank?
Yes. Manhattan Bank is an FDIC-insured institution (FDIC certificate #11823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.3% of deposits ($48.7M) 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 9.90%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.51% (benchmark: 10%).
4 locations
Branches
Manhattan Bank lists 4 offices in 3 cities. Most locations:
- Manhattan, MT (2)
- Bozeman, MT (1)
- Three Forks, MT (1)
HMDA 2025
Mortgage lending
In 2025, Manhattan Bank reported 45 home-loan applications under HMDA (LEI 549300FPSZGZH4IL7891): 38 originated ($12,740,000 total), 2 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.7%, 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
- Manhattan Bank
- Former names
- The Manhattan State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11823
- RSSD ID
- 614751
- Primary regulator
- FDIC
- Holding company
- Msb Financial Inc
- Established
- October 5, 1905
- Headquarters
- 124 S Broadway St, Manhattan, MT 59741
- Website
- www.manhattanbank.bank
- Employees
- 39
Quick answers
Manhattan Bank: common questions
Is Manhattan Bank FDIC insured?
Yes. Manhattan Bank is an FDIC-insured institution (FDIC certificate #11823). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Manhattan Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Manhattan Bank ever failed?
There is no failure record for FDIC certificate #11823 in the FDIC failed bank list.
How many branches does Manhattan Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Manhattan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Yellowstone BankBank Laurel, MT | 88 out of 100, Very strong | $1.3B | 12.3% | 0.01% | vs |
| American BankBank Bozeman, MT | 79 out of 100, Strong | $630.4M | 11.1% | 0.00% | vs |
| Horizon Credit UnionCredit union Spokane Valley, WA | 75 out of 100, Strong | $2.0B | 13.1% | 0.27% | vs |
| First Montana Bank, Inc.Bank Missoula, MT | 73 out of 100, Strong | $530.3M | 10.2% | 0.13% | vs |
| Stockman Bank of MontanaBank Miles City, MT | 71 out of 100, Strong | $7.7B | 9.9% | 0.60% | vs |
| Opportunity Bank of MontanaBank Helena, MT | 71 out of 100, Strong | $2.1B | 10.9% | 0.26% | vs |