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.

The score has been essentially flat from Q2 2025 to Q2 2026 (56 → 57).

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 New York

Yes. Manufacturers and Traders Trust Company is an FDIC-insured institution (FDIC certificate #588). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 48.9% of deposits ($84.2B) are above the $250,000 FDIC insurance limit, above the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.51%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.87% (benchmark: 10%).

Check how much of your own balance is covered

Manufacturers and Traders Trust Company lists 640 offices in 400 cities across 14 states. Most locations:

• Baltimore, MD (23)
• Buffalo, NY (15)
• New York, NY (10)
• Syracuse, NY (9)
• Rochester, NY (8)
• Washington, DC (7)
• Wilmington, DE (7)
• York, PA (7)
• Frederick, MD (6)
• Boston, MA (5)
• Bridgeport, CT (5)
• Harrisburg, PA (5)

All branch addresses and map

Over the last three years, the CFPB forwarded 3,362 consumer complaints about M&T BANK CORPORATION to the company (1,405 in the last 12 months). 100.0% received a timely response. That is 19.5 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Manufacturers and Traders Trust Company reported 39,919 home-loan applications under HMDA (LEI WWB2V0FCW3A0EE3ZJN75): 23,446 originated ($7,391,700,000 total), 12,073 denied, and 3,274 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.9%, 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.

Legal name

Manufacturers and Traders Trust Company

Type

State-chartered bank (Fed member)

FDIC certificate #

588

RSSD ID

501105

Primary regulator

FED

Holding company

M&t Bank Corp

Established

January 1, 1856

Headquarters

1 M And T Plz, Buffalo, NY 14203

Website

www.mtb.com

Employees

20,575