---
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"
generated_at: "2026-05-30T13:28:37.052558+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# M&T Bank Q3 net income $721M, EPS $4.02; CET1 ratio rises to 11.54%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-24-042977
- JSON: https://secwatch.observer/filing/0001628280-24-042977.json
- Plain text: https://secwatch.observer/filing/0001628280-24-042977.txt

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