M&T Bank reclassifies Q3 2026 other income categories; no impact on net income or EPS

M&T BANK CORP

M&T Bank will reclassify Other income categories effective Q3 2026; total Other income, income before taxes, net income and EPS are unchanged.
Trust and investment services income will combine trust and brokerage services; service charges on deposit accounts will exclude debit card interchange.
Card revenues will combine credit card interchange, merchant discount revenue and debit card interchange, previously split across other categories.
M&T will separately present loans held for sale from loans held for investment; affected taxable-equivalent rates and credit ratios will exclude loans held for sale.
Exhibit 99.1 provides unaudited supplemental historical financial information applied retrospectively; CFO Daryl N. Bible signed the filing dated September 28, 2026.

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