{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-001667","form_type":"8-K","ticker":"MTB","cik":"0000036270","company_name":"M&T BANK CORP","filed_at":"2025-01-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:05.995319+00:00","generated_at":"2026-05-28T00:31:32.565298+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"M&T Bank reports Q4 2024 net income of $681M, diluted EPS $3.86","bullets":["Net income for Q4 2024 was $681 million, or $3.86 diluted EPS, down from $721 million in Q3 2024 but up from $482 million in Q4 2023.","Estimated CET1 capital ratio rose to 11.67% at Dec 31, 2024, from 11.54% at Sep 30, 2024, marking the seventh consecutive quarterly increase.","M&T repurchased 957,988 shares at an average cost of $206.70 per share for a total cost of $200 million in Q4 2024.","Nonaccrual loans improved to 1.25% of total loans at Dec 31, 2024, down from 1.42% at Sep 30, 2024 and 1.62% at Dec 31, 2023.","Net interest margin narrowed to 3.58% in Q4 2024 from 3.62% in Q3 2024, with net interest income of $1.728 billion."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-001667","json":"https://secwatch.observer/filing/0001628280-25-001667.json","markdown":"https://secwatch.observer/filing/0001628280-25-001667.md","text":"https://secwatch.observer/filing/0001628280-25-001667.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36270/000162828025001667/0001628280-25-001667-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36270/000162828025001667/mbt-20250116.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-28T00:31:32.565298+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"}