{"schema_version":"secwatch.filing_event.v1","accession":"0000036270-26-000057","form_type":"8-K","ticker":"MTB","cik":"0000036270","company_name":"M&T BANK CORP","filed_at":"2026-10-16T10:02:42+00:00","discovered_at":"2026-10-16T10:05:00.299769+00:00","generated_at":"2026-10-16T10:05:34.050067+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"M&T Q3 2026 net income $775M, EPS $5.04; NIM 3.65%, CET1 10.16%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000036270-26-000057","json":"https://secwatch.observer/filing/0000036270-26-000057.json","markdown":"https://secwatch.observer/filing/0000036270-26-000057.md","text":"https://secwatch.observer/filing/0000036270-26-000057.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36270/000003627026000057/0000036270-26-000057-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36270/000003627026000057/mbt-20261016.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-16T10:05:34.050067+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}