{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-042977","form_type":"8-K","ticker":"MTB","cik":"0000036270","company_name":"M&T BANK CORP","filed_at":"2024-10-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.732504+00:00","generated_at":"2026-05-30T13:28:37.052558+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"M&T Bank Q3 net income $721M, EPS $4.02; CET1 ratio rises to 11.54%","bullets":["Net income $721M ($4.02 diluted EPS) vs $655M ($3.73) in Q2 2024; net interest income $1.726B down 3% YoY.","CET1 capital ratio estimated 11.54%, up from 11.45% in Q2; repurchased 1.19M shares for $200M.","Provision for credit losses $120M, down from $150M in Q2; net charge-offs $120M vs $137M.","Nonaccrual loans fell to 1.42% of loans (Q2: 1.50%); net interest margin widened to 3.62% from 3.59%.","Average loans up $163M QoQ; commercial & industrial loans grew $1.6B, offset by $2.4B decline in CRE."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-042977","json":"https://secwatch.observer/filing/0001628280-24-042977.json","markdown":"https://secwatch.observer/filing/0001628280-24-042977.md","text":"https://secwatch.observer/filing/0001628280-24-042977.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36270/000162828024042977/0001628280-24-042977-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36270/000162828024042977/mbt-20241017.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T13:28:37.052558+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"}