This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Providence, RI
Health score
78.2
Total assets
$232.5B
Bank
Buffalo, NY
Health score
82.9
Total assets
$218.8B
Answer first
Citizens Bank, National Association leads on growth; Manufacturers and Traders Trust Company leads on financial health and capitalization and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Manufacturers and Traders Trust Company
Higher TFS health score
Capitalization
Manufacturers and Traders Trust Company
Higher comparable capital ratio
Profitability
Manufacturers and Traders Trust Company
Higher return on assets
Lending quality
Manufacturers and Traders Trust Company
Lower problem-loan measure
Growth
Citizens Bank, National Association
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Citizens Bank, National Association | Manufacturers and Traders Trust Company |
|---|---|---|
| TFS health score | 78.2/100 | 82.9/100Leads |
| Total assets | $232.5B | $218.8B |
| Total deposits / shares | $188.7B | $172.3B |
| Tier 1 capital ratio | 9.39% | 9.51%Leads |
| Return on assets | 0.99% | 1.40%Leads |
| Return on equity | 8.50% | 10.70% |
Citizens Bank, National Association
990 branches
Manufacturers and Traders Trust Company
986 branches
Both institutions report branches in 12 states: CT, DC, DE, FL, MA, MD, NH, NJ, NY, PA….
Citizens Bank, National Association
2,151 parent-company
Manufacturers and Traders Trust Company
1,377 parent-company
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Observed matched-date windows: Citizens Bank, National Association: 2025-08-14–2026-08-13 · Manufacturers and Traders Trust Company: 2025-08-14–2026-08-13
Citizens Bank, National Association
0 in TFS registry
Manufacturers and Traders Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Citizens Bank, National Association score | Citizens Bank, National Association ROA | Manufacturers and Traders Trust Company score | Manufacturers and Traders Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.69% | — | 1.24% |
| 2024-Q4 | — | 0.71% | — | 1.26% |
| 2025-Q1 | — | 0.76% | — | 1.18% |
| 2025-Q2 | — | 0.82% | — | 1.29% |
| 2025-Q3 | — | 0.85% | — | 1.37% |
| 2025-Q4 | — | 0.87% | — | 1.40% |
| 2026-Q1 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 1.36% | 1.35%Leads |
| Net charge-offs | 0.37% | 0.26%Leads |
| Efficiency ratio | 60.29% | 53.57%Leads |
| Loan-to-deposit ratio | 78.03% | 81.89% |
| Asset growth (YoY) | 6.67%Leads | 3.67% |
| Deposit / share growth (YoY) | 5.59%Leads | 2.33% |
| Branches | 990 | 986 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | 11.397 | 7.991Leads |
| 77.8/100 |
| 0.94% |
| 80.6/100 |
| 1.27% |
| 2026-Q2 | 78.2/100 | 0.99% | 82.9/100 | 1.40% |