---
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"
generated_at: "2026-10-16T10:05:34.050067+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000036270-26-000057
- JSON: https://secwatch.observer/filing/0000036270-26-000057.json
- Plain text: https://secwatch.observer/filing/0000036270-26-000057.txt

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