---
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"
generated_at: "2026-05-28T00:31:32.565298+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# M&T Bank reports Q4 2024 net income of $681M, diluted EPS $3.86

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-001667
- JSON: https://secwatch.observer/filing/0001628280-25-001667.json
- Plain text: https://secwatch.observer/filing/0001628280-25-001667.txt

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