---
schema_version: "secwatch.filing_event.v1"
accession: "0000036270-26-000025"
form_type: "8-K"
ticker: "MTB"
cik: "0000036270"
company_name: "M&T BANK CORP"
filed_at: "2026-04-15T23:59:59+00:00"
generated_at: "2026-05-15T06:13:12.698299+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# M&T Q1 net income $664M, EPS $4.13; NIM widens to 3.71%; repurchases $1.25B stock

## Summary
- Net income $664M ($4.13 diluted EPS) vs $759M ($4.67) in Q4 and $584M ($3.32) year ago.
- Net interest margin expanded 2 bps to 3.71% as funding costs fell faster than asset yields.
- Average loans grew 1% from Q4 to $138.4B, led by commercial & industrial up $1.5B.
- Noninterest income included $33M distribution from Bayview Lending Group investment.
- Repurchased 5.5M shares for $1.25B in quarter; CET1 ratio estimated at 10.33%.

## SEC filing metadata
- accession: 0000036270-26-000025
- form_type: 8-K
- ticker: MTB
- cik: 0000036270
- company_name: M&T BANK CORP
- filed_at: 2026-04-15T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/36270/000003627026000025/0000036270-26-000025-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/36270/000003627026000025/mbt-20260415.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000036270-26-000025
- JSON: https://secwatch.observer/filing/0000036270-26-000025.json
- Plain text: https://secwatch.observer/filing/0000036270-26-000025.txt

## Key facts
- Earnings Releases
  M&T BANK CORP reported first quarter 2026 results: net income $664 million, EPS $4.13.
  - Period: first quarter 2026
  - Net income: $664 million
  - EPS: $4.13
  - Result: reported results
  source text: M&T Bank Corporation ("M&T" or "the Company") reports quarterly net income of $664 million or $4.13 of diluted earnings per common share.
  evidence_url: https://www.sec.gov/Archives/edgar/data/36270/000003627026000025/0000036270-26-000025-index.htm

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