{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-016126","form_type":"8-K","ticker":"MTB","cik":"0000036270","company_name":"M&T BANK CORP","filed_at":"2024-04-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.593221+00:00","generated_at":"2026-06-03T23:11:43.646085+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"M&T Bank Q1 net income $531M, EPS $3.02; provision for credit losses up to $200M","bullets":["Net income $531M ($3.02 diluted EPS) vs $702M ($4.01) in Q1 2023; CET1 ratio improved to 11.07%.","Net interest income (taxable-equivalent) $1.692B, down 8% YoY; net interest margin 3.52% vs 4.04%.","Provision for credit losses $200M (up 67% YoY); net charge-offs $138M (annualized 0.42% of avg loans).","Nonaccrual loans $2.3B, up 6% from prior quarter; allowance for credit losses 1.62% of loans.","Expenses $1.396B included $29M incremental FDIC special assessment; efficiency ratio 60.8%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-016126","json":"https://secwatch.observer/filing/0001628280-24-016126.json","markdown":"https://secwatch.observer/filing/0001628280-24-016126.md","text":"https://secwatch.observer/filing/0001628280-24-016126.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36270/000162828024016126/0001628280-24-016126-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36270/000162828024016126/mbt-20240415.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T23:11:43.646085+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":[{"claim_id":"4d3e634a6e0d3a73ffb74d20aa60d7623d7ac7c0","claim":"M&T BANK CORP reported the quarter ended March 31, 2024 results: net income $531 million, EPS $3.02 of diluted earnings per common share.","evidence_excerpt":"M&T Bank Corporation (\"M&T\" or \"the Company\") reports quarterly net income of $531 million or $3.02 of diluted earnings per common share.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/36270/000162828024016126/0001628280-24-016126-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$531 million"},{"label":"EPS","value":"$3.02 of diluted earnings per common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}