---
schema_version: "secwatch.filing_event.v1"
accession: "0000036270-25-000018"
form_type: "8-K"
ticker: "MTB"
cik: "0000036270"
company_name: "M&T BANK CORP"
filed_at: "2025-10-16T23:59:59+00:00"
generated_at: "2026-05-17T03:38:13.516087+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.9
calibrated_materiality_score: 0.9
confidence: "high"
source: SEC EDGAR
---

# M&T Bank reports Q3 2025 net income of $792 million, diluted EPS of $4.82

## Summary
- Net income $792M, diluted EPS $4.82 vs. $4.24 in Q2 2025 and $4.02 in Q3 2024
- Taxable-equivalent net interest income rose to $1,773M; net interest margin 3.68%
- Noninterest income increased 10% to $752M, including $28M earnout and $20M BLG distribution
- Repurchased 2.1 million shares for $409 million during Q3; CET1 ratio 10.99%
- Nonaccrual loans fell to 1.10% of total loans from 1.16% in Q2 2025

## SEC filing metadata
- accession: 0000036270-25-000018
- form_type: 8-K
- ticker: MTB
- cik: 0000036270
- company_name: M&T BANK CORP
- filed_at: 2025-10-16T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.9
- calibrated_materiality_score: 0.9
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36270/000003627025000018/0000036270-25-000018-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36270/000003627025000018/mbt-20251016.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000036270-25-000018
- JSON: https://secwatch.observer/filing/0000036270-25-000018.json
- Plain text: https://secwatch.observer/filing/0000036270-25-000018.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.