secwatch.observer — SEC 8-K summary
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Issuer:     M&T BANK CORP (MTB)
CIK:        0000036270
Form:       8-K
Filed at:   2026-01-16T23:59:59+00:00
Accession:  0000036270-26-000004
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/36270/000003627026000004/0000036270-26-000004-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/36270/000003627026000004/mbt-20260116.htm
  HTML page:      https://secwatch.observer/filing/0000036270-26-000004

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer