M&T Q3 2026 net income $775M, EPS $5.04; NIM 3.65%, CET1 10.16%

M&T BANK CORP

Q3 2026 net income $775M, diluted EPS $5.04 vs $5.32 in Q2 2026 and $4.82 in Q3 2025; net operating EPS $5.08.
Taxable-equivalent net interest income $1,805M, up 2% YoY; NIM 3.65% vs 3.70% QoQ and 3.69% a year ago; average loans grew $2.6B QoQ to $143.3B.
Provision for credit losses $135M vs $120M in Q2 and $125M a year ago; net charge-offs 0.35% annualized; nonaccrual loans $1.298B, up 7% QoQ but down 14% YoY.
Noninterest income $743M, flat QoQ; mortgage banking revenue +$25M on $62.9B added sub-servicing; capital markets and advisory revenue -$9M (-24%) QoQ.
CET1 10.16%; repurchased 1.3M shares for $323M; declared $217M common and $42M preferred dividends; AOCI fell $588M and $8.3B RMBS moved to held-to-maturity.

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