---
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"
generated_at: "2026-05-16T09:58:42.086754+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# M&T Bank Q4 net income $759M ($4.67 EPS); full-year EPS $17.00, up 16% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000036270-26-000004
- JSON: https://secwatch.observer/filing/0000036270-26-000004.json
- Plain text: https://secwatch.observer/filing/0000036270-26-000004.txt

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