Manufacturers Bank & Trust Company
Forest City, IA · Cert 16307 · Peer group: banks under $1B in assets in IA (n=134-135) · MBT Corp.
State charter, non-member · FDIC · 9 branches
Q2 2026
$738.2MAssets
$516.0MLoans
$640.4MDeposits
$79.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 60% of banks under $1B in assets in IA (rank 55 of 134).
- Widest gap: efficiency ratio trails 79% of banks under $1B in assets in IA (rank 108 of 135).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.04%
Rank 85 of 135
Net Interest Margin
3.44%
Rank 65 of 135
Efficiency Ratio
65.99%
Rank 108 of 135
Equity / Assets
10.82%
Rank 74 of 135
Non-interest income vs. expense
Unfavorable gap of $14.5M · efficiency ratio beats 21% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.92% | 1.19% | 1.47% | Beats 37% | 85 / 135 | |
| Return on Equity | 9.64% | 7.99% | 10.26% | 13.14% | Beats 42% | 78 / 135 | |
| Net Interest Margin | 3.44% | 2.95% | 3.41% | 3.73% | Beats 52% | 65 / 135 | |
| Efficiency Ratio | 65.99% | 50.61% | 57.35% | 63.29% | Beats 21% | 108 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.94% | 0.03% | 0.51% | 1.26% | Beats 31% | 94 / 134 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.03% | Beats 60% | 55 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 12.88% | 11.23% | 13.31% | 15.45% | Beats 44% | 75 / 135 | |
| Total Risk-Based Capital Ratio | 14.13% | 11.61% | 14.06% | 16.47% | Beats 53% | 64 / 135 | |
| Equity / Assets | 10.82% | 9.87% | 11.05% | 13.07% | Beats 45% | 74 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 80.57% | 68.54% | 81.55% | 91.24% | 49th pctl | 69 / 134 | |
| Loans / Assets | 69.90% | 57.61% | 68.06% | 76.23% | 56th pctl | 60 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |