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Bank, Buffalo, NY

Manufacturers and Traders Trust Company

A bank based in Buffalo, NY. Its commercial book is led by C&I and non-owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$69.1B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
90
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
6,913
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$219B
FDIC call report,
Does it fit my deal?

The deal is read here and kept nowhere. Leave out names, income and credit scores.

How to reach them

Each line shows where it came from

Phone
800-724-2440 From the lender's website, retrieved November 9, 2026. Source page
Website
www.mtb.comFrom the FDIC record, November 9, 2026.
Commercial lending page
mtb.comFrom the lender's website, retrieved November 11, 2026.
Names it files under
M&T BANK; M&T Bank Corporation; M&T BankFDIC institution record,
Address
1 M And T Plz, Buffalo, NY 14203FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. Manufacturers and Traders Trust Company originated 90 multifamily loans in 2025, versus 30 in 2024. HMDA,

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 5 opened, 59 closed, 7 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 1,107 under Preferred Lender authority, 5,618 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Fiscal 2026 The holding company reported a balance of $22.5B still held on loans originated in fiscal 2026.Group level: the registrant and all of its subsidiaries together. A balance, not the amount originated. SEC 10-Q and 10-K filings,
Jun 2025 to Jun 2026 Commercial and industrial balance rose 4.5% to $34.3B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 1.7% to $13.6B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 1.7% to $10.6B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Unused commitments on commercial real estate rose 31.1% to $4.6B in the year to June 30, 2026.Call report commitments. Not a measure of new lending. FDIC call report
2024 Reported making 12,403 small business loans totaling $1.2B in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data
2023-10 to 2026-09 Named as the lender on 153 mortgages recorded in New York City.exact normalized lender name and state, or a reviewed alias NYC ACRIS recorded mortgages

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

Manufacturers and Traders Trust CompanyNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Sep 2026VirginiaSBA 7(a), Fitness and Recreational Sports Centers$1.8M7.75%10 yrSBA FOIA
Sep 2026VirginiaSBA 7(a), Full-Service Restaurants$1.7M9.75%11 yrSBA FOIA
Sep 2026MarylandSBA 7(a), All Other Professional, Scientific, and Technical Services$1.5M9%10 yrSBA FOIA
Sep 2026New HampshireSBA 7(a), Flooring Contractors$1.4M7.5%10 yrSBA FOIA
Sep 2026ConnecticutSBA 7(a), Site Preparation Contractors$920K7.25%10 yrSBA FOIA
Sep 2026New JerseySBA 7(a), Manufacturing$820K9.75%10 yrSBA FOIA
Sep 2026PennsylvaniaSBA 7(a), Fitness and Recreational Sports Centers$800K8%10 yrSBA FOIA
Sep 2026New YorkSBA 7(a), Janitorial Services$750K8.5%10 yrSBA FOIA
Sep 2026MarylandSBA 7(a), Snack and Nonalcoholic Beverage Bars$730K8.75%10 yrSBA FOIA
Jul 2026MassachusettsSBA 504, Car Washes$1.4M25 yrSBA FOIA
Jun 2026MassachusettsSBA 504, Professional, Scientific, and Technical Services$110K25 yrSBA FOIA
May 2026VirginiaSBA 504, Construction$860K25 yrSBA FOIA
May 2026ConnecticutSBA 504, Offices of Mental Health Practitioners (except Physicians)$240K25 yrSBA FOIA
Apr 2026New YorkSBA 504, Transportation and Warehousing$500K25 yrSBA FOIA
Mar 2026District of ColumbiaSBA 504, Retail Trade$850K25 yrSBA FOIA
Mar 2026New YorkSBA 504, Professional, Scientific, and Technical Services$610K25 yrSBA FOIA
Mar 2026ConnecticutSBA 504, Retail Trade$280K25 yrSBA FOIA
2025Kings County, NYPurchase, 5 to 24 units$3.3M7.04%25 yr70%HMDA 2025
2025South Central Connecticut Planning Region, CTRefinance, 5 to 24 units$360K6.07%5 yr47%HMDA 2025
2025Bristol County, MARefinance, 5 to 24 units$260K7.26%20 yr9%HMDA 2025
2025Erie County, NYImprovement, 5 to 24 units$460K6.75%25 yr65%HMDA 2025
2025New York County, NYPurchase, 150 or more units$62M5.77%5 yr37%HMDA 2025
2025Western Connecticut Planning Region, CTRefinance, 5 to 24 units$4.3M6.33%5 yr62%HMDA 2025
2025Niagara County, NYPurchase, 25 to 49 units$1.6M5.89%5 yr75%HMDA 2025
2025South Central Connecticut Planning Region, CTPurchase, 5 to 24 units$380K6.99%5 yr60%HMDA 2025
6,727 SBA 7(a) loans since October 2023, net of cancelled$769MSBA FOIA

A blank means the source did not report it.

Recorded mortgages, New York City

NYC ACRIS, September 30, 2026

Mortgages recorded in New York City in which this lender is named as the lender. A recorded document is not the whole of a lender's activity and is not joined to HMDA or SBA data.

  • 153 mortgages recorded in New York City (the five boroughs) from Oct 2023 to Sep 2026 name Manufacturers and Traders Trust Company as the lender, totaling $890M.
  • 84 of them were recorded in the latest 12 months of that window.
Recorded mortgages by property class
Property classMortgagesDollars
Other55$671M
Retail29$85.0M
Mixed use25$28.0M
Multifamily21$64.6M
Industrial10$12.2M
Office8$11.6M
Hotel5$17.6M
NYC ACRIS recorded mortgages,
Recorded mortgages by borough
BoroughMortgages
Manhattan50
Brooklyn46
Queens30
Bronx27
NYC ACRIS recorded mortgages,

How these documents were tied to this lender: exact normalized lender name and state, or a reviewed alias.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$7.12B5.0%+15.5%
Construction and land development$3.35B2.3%-25.6%
Owner-occupied CRE$10.6B7.4%+1.7%
Non-owner-occupied CRE$13.6B9.5%+1.7%
Farmland$129M0.1%+0.2%
Commercial and industrial$34.3B23.9%+4.5%
Commercial total$69.1B
FDIC call report,

Reference only: $30.3B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$74.1B
Q4 2023$73.2B
Q1 2024$73.3B
Q2 2024$71.8B
Q3 2024$71.7B
Q4 2024$68.3B
Q1 2025$67.1B
Q2 2025$67.4B
Q3 2025$66.0B
Q4 2025$67.0B
Q1 2026$67.2B
Q2 2026$69.1B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units202590$636M$1.26M$130MHMDA,
Multifamily, 5 or more units202430$47.6M$505KHMDA,
1-4 unit investor or business purpose2025417$247M$305KHMDA,
SBA 7(a), net of cancelled36 months to Sep 20266,727$769M$50.0K$4.5MSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 20262,687$305MSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 2026186$151M$553K$4.7MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens (several rules: holding company name, bank with 80% or more of the group's assets; name and state).

SBA loans by industry, 36 months
IndustryLoansDollars
Full-Service Restaurants331$54.6M
Limited-Service Restaurants255$38.3M
Residential Remodelers233$23.6M
Beauty Salons176$13.2M
Landscaping Services167$10.9M
General Automotive Repair148$12.2M
Fitness and Recreational Sports Centers147$23.2M
All Other Specialty Trade Contractors123$13.6M
Snack and Nonalcoholic Beverage Bars120$17.2M
Plumbing, Heating, and Air-Conditioning Contractors116$18.6M
SBA FOIA,

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for construction trades, SBA lenders for landscaping companies.

Programs on record: Federal Home Loan Bank member, New York district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • Manufacturers and Traders Trust Company reported making 12,403 small business loans totaling $1,230,032,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 9,899 of $100,000 or less, 1,255 over $100,000 up to $250,000, 1,249 over $250,000 up to $1 million.
  • 8,604 of them, totaling $487,161,000, went to businesses with revenue of $1 million or less.
  • Manufacturers and Traders Trust Company reported making 35 small farm loans totaling $3,232,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 28 of $100,000 or less, 1 over $100,000 up to $250,000, 6 over $250,000 up to $500,000.
  • 24 of them, totaling $697,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 223 loans, $35,011,000.
CountyLoansTotal
Erie County, NY670$70.6M
Not reported494$35.3M
Suffolk County, NY491$44.9M
Baltimore County, MD435$34.6M
Monroe County, NY387$48.1M
Onondaga County, NY290$29.2M
Not reported274$18.5M
Montgomery County, MD255$32.2M
Not reported241$22.5M
Baltimore city, MD240$19.3M
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • Manufacturers and Traders Trust Company reported commitments to fund construction loans that had not been drawn at June 30, 2026: $364,000,000 for 1-4 family residential construction and $3,420,000,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $21,333,000,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less93,874$1.81B
Over $100,000 up to $250,00019,941$1.83B
Over $250,000 up to $1 million11,725$3.09B
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less245$11.0M
Over $100,000 up to $250,0001,692$209M
Over $250,000 up to $1 million4,689$1.87B
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by farmland, by original amount
Original amountLoansHolds
$100,000 or less4Not reported
Over $100,000 up to $250,00019$2.00M
Over $250,000 up to $500,00045$11.0M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less1,786$21.0M
Over $100,000 up to $250,000226$20.0M
Over $250,000 up to $500,00077$16.0M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
New York HQ274431301,85161
Maryland1527451,39920
Pennsylvania1504287859
New Jersey6531968623
Connecticut10972963231
Virginia2501640918
Massachusetts6214313169
Delaware36272371
New Hampshire23671396
District of Columbia8010913
Vermont3328851
Maine1512642
FDIC office list, HMDA, SBA FOIA,

Also in WV, FL, RI, AZ, TX, CO, NC, SC.

Counties with the most recorded loans (5 or more)
CountyRecorded loansDollars
New York County, NY9$126M
Kings County, NY9$23.9M
Erie County, NY9$11.5M
Monroe County, NY7$26.6M
HMDA, SBA FOIA,
Metro areas with the most recorded loans (5 or more)
MetroRecorded loansDollars
New York-Jersey City-White Plains, NY-NJ23$282M
Buffalo-Cheektowaga, NY12$13.9M
Rochester, NY8$26.9M
Cambridge-Newton-Framingham, MA6$44.7M
Baltimore-Columbia-Towson, MD6$31.2M
HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • Manufacturers and Traders Trust Company has 941 offices in 154 counties and 14 states (FDIC Summary of Deposits, June 30, 2026): 909 full service and 32 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Erie County, NY422
Suffolk County, NY360
Not reported341
Baltimore County, MD321
Onondaga County, NY251
Monroe County, NY231
Montgomery County, MD220
York County, PA211
Not reported191
Bergen County, NJ190
Baltimore city, MD171
New Castle County, DE161
Westchester County, NY170
Not reported160
Not reported160
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$3.29B$1.69B to $9.10B across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital109.9%21.2% to 100.5% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital15.3%0.0% to 30.1% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits83.2%12.5% to 88.5% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$4.58B$107M to $9.08B across 8 peersCommitments to lend on commercial real estate that are not yet drawn, up 31.1% from a year earlier.FDIC call report,
Loans to assets65.5%11.0% to 74.8% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

Preferred Lender authority
1,107 loans (16.5%)
SBA Express
5,618 loans
Approval to first disbursement
40 days, median of 5,277

SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. Manufacturers and Traders Trust Company, FDIC certificate 588. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $219B in total assets and $69.1B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 7,450 recorded loans from HMDA and SBA files, through September 30, 2026: 90 HMDA multifamily 2025, 30 HMDA multifamily 2024, 417 HMDA 1-4 unit investor 2025, 6,727 SBA 7(a) in 36 months, 186 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Manufacturers and Traders Trust Company]
  4. Phone and website. Phone 800-724-2440, from the lender's website on November 9, 2026. Website mtb.com, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 12,403 small business loans reported in its CRA filing for 2024. [Source]
  6. Recorded mortgages, New York City. 153 recorded mortgages in New York City under this name. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
Federal Reserve
FDIC certificate
588
RSSD
501105
LEI
WWB2V0FCW3A0EE3ZJN75
The Lender Report ID
lr_000021
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
Buffalo-Cheektowaga, NY

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $218.8B in total assets as of June 30, 2026 (FDIC call report).
  • Held $69.1B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $34.3B of commercial and industrial loans as of June 30, 2026, up 4.5% from a year earlier (FDIC call report).
  • Held $13.6B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 1.7% from a year earlier (FDIC call report).
  • Held $10.6B of owner-occupied commercial real estate loans as of June 30, 2026, up 1.7% from a year earlier (FDIC call report).
  • Originated 90 multifamily loans totaling $635.9M in 2025 (HMDA).
12 more sentences
  • Originated 30 multifamily loans totaling $47.6M in 2024 (HMDA).
  • Originated 417 1-4 unit investor or business-purpose loans totaling $246.6M in 2025 (HMDA).
  • Recorded 7,508 SBA 7(a) approvals totaling $828.2M from October 1, 2023 to September 30, 2026, of which 781 were later cancelled (SBA).
  • Provided the first lien on 199 SBA 504 projects with $162.7M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 13 were later cancelled (SBA).
  • Listed 960 offices in 14 states (FDIC).
  • Reported making 12,403 small business loans totaling $1.2B in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 35 small farm loans totaling $3.2M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • M&T Bank Corp reported in its 10-Q for the period ended 2026-09-30 that the company and all of its subsidiaries together still held $22.5B of loans originated in fiscal 2026 (SEC filing).
  • Held 125,540 commercial and industrial loans that were $1 million or less when made, with a balance of $6.7B as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 6,626 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $2.1B as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $364M for 1-4 family and $3.4B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
  • Named as the lender on 153 mortgages recorded in New York City from 2023-10 to 2026-09, totaling $889.8M (NYC Department of Finance, ACRIS).

Cite this

Source: The Lender Report, Manufacturers and Traders Trust Company, https://lender.report/lender/manufacturers-and-traders-trust-ny/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem