{"id":928044,"date":"2026-01-16T05:33:11","date_gmt":"2026-01-16T10:33:11","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/mt-bank-corporation-nysemtb-announces-fourth-quarter-and-full-year-2025-results\/"},"modified":"2026-01-16T05:33:11","modified_gmt":"2026-01-16T10:33:11","slug":"mt-bank-corporation-nysemtb-announces-fourth-quarter-and-full-year-2025-results","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/mt-bank-corporation-nysemtb-announces-fourth-quarter-and-full-year-2025-results\/","title":{"rendered":"M&T Bank Corporation (NYSE:MTB) announces fourth quarter and full-year 2025 results"},"content":{"rendered":"
\n

PR Newswire<\/p>\n<\/p><\/div>\n

\n

\n BUFFALO, N.Y.<\/span>, Jan. 16, 2026<\/span> \/PRNewswire\/ — M&T Bank Corporation (“M&T” or “the Company”) reports quarterly net income of $759 million or $4.67 of diluted earnings per common share and full-year net income of $2.85 billion or $17.00 of diluted earnings per common share.<\/p>\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

\n
\n (Dollars in millions, except per share data)<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n
\n 4Q25<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n
\n 3Q25<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n
\n 4Q24<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n
\n 2025<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n
\n 2024<\/b>
\n <\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n
\n Earnings Highlights<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
\n

\n Net interest income<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,779<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,761<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,728<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 6,948<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 6,852<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Taxable-equivalent adjustment<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 11<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 12<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 12<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 44<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 50<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Net interest income – taxable-equivalent<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1,790<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1,773<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1,740<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 6,992<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 6,902<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Provision for credit losses<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 125<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 125<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 140<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 505<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 610<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Noninterest income<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 696<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 752<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 657<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 2,742<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 2,427<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Noninterest expense<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1,379<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1,363<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1,363<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 5,493<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 5,359<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Net income<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 759<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 792<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 681<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 2,851<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 2,588<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Net income available to common shareholders – diluted<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 718<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 754<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 644<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 2,699<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 2,449<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Diluted earnings per common share<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 4.67<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 4.82<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 3.86<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 17.00<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 14.64<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Return on average assets – annualized<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.41\u00a0%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.49\u00a0%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.28\u00a0%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.35\u00a0%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.23\u00a0%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Return on average common shareholders’ equity – annualized<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 10.87<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 11.45<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 9.75<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 10.27<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 9.54<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n
\n Average Balance Sheet<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
\n

\n Total assets<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0 212,891<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0 211,053<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0 211,853<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0 210,645<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0 211,220<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Interest-bearing deposits at banks<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 17,964<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 17,739<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 23,602<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 18,767<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 27,244<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Investment securities<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 36,705<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 36,559<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 33,679<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 35,778<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 30,755<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Loans<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 137,600<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 136,527<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 135,723<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 136,103<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 134,717<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Deposits<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 165,057<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 162,706<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 164,639<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 163,107<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 163,423<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Borrowings<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 14,619<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 15,633<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 14,228<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 14,671<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 15,523<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n
\n Selected Ratios<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
\n

\n
\n (Amounts expressed as a percent, except per share data)<\/b>
\n <\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n\n \n <\/td>\n<\/tr>\n
\n

\n Net interest margin<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 3.69\u00a0%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 3.68\u00a0%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 3.58\u00a0%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 3.67\u00a0%<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 3.58\u00a0%<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Efficiency ratio (1)<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 55.1<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 53.6<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 56.8<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 56.0<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 56.9<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Net charge-offs to average total loans – annualized<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n .54<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n .42<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n .47<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n .41<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n .41<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Allowance for loan losses to total loans<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.53<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.58<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.61<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.53<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.61<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Nonaccrual loans to total loans<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n .90<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.10<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.25<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n .90<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 1.25<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Common equity Tier 1 (“CET1”) capital ratio (2)<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 10.84<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 10.99<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 11.68<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 10.84<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n 11.68<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n Common shareholders’ equity per share<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0 173.49<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0 170.43<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0 160.90<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0 173.49<\/span>\n <\/p>\n<\/td>\n

\n \n <\/td>\n\n

\n $\u00a0\u00a0\u00a0\u00a0\u00a0 160.90<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n \n <\/td>\n<\/tr>\n
\n

\n (1) A reconciliation of non-GAAP measures is included in the tables that accompany this release.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n

\n

\n (2) CET1 capital ratio at December\u00a031, 2025 is estimated.<\/span>\n <\/p>\n<\/td>\n<\/tr>\n<\/table><\/div>\n

\n Financial Highlights \u00a0<\/b>\n <\/p>\n