{"schema_version":"secwatch.filing_event.v1","accession":"0000036270-26-000004","form_type":"8-K","ticker":"MTB","cik":"0000036270","company_name":"M&T BANK CORP","filed_at":"2026-01-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.393638+00:00","generated_at":"2026-05-16T09:58:42.086754+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"M&T Bank Q4 net income $759M ($4.67 EPS); full-year EPS $17.00, up 16% YoY","bullets":["Q4 net income $759M ($4.67 diluted EPS) vs $681M ($3.86) in Q4 2024, up 11% / 21%.","Full-year 2025 net income $2.85B ($17.00 EPS) vs $2.588B ($14.64), EPS up 16%.","Net interest margin 3.69% in Q4 vs 3.58% a year ago; NII $1.79B (+3% YoY).","Allowance for loan losses/total loans 1.53% (down from 1.61%); nonaccrual loans $1.25B (-26% YoY).","CET1 ratio 10.84% (est); repurchased 2.7M shares in Q4 at avg $183.30."],"urls":{"canonical":"https://secwatch.observer/filing/0000036270-26-000004","json":"https://secwatch.observer/filing/0000036270-26-000004.json","markdown":"https://secwatch.observer/filing/0000036270-26-000004.md","text":"https://secwatch.observer/filing/0000036270-26-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36270/000003627026000004/0000036270-26-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36270/000003627026000004/mbt-20260116.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T09:58:42.086754+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}