M&T Bank Q1 2025 EPS $3.32, net interest margin expands to 3.66%; nonaccrual loans drop

M&T BANK CORP

2025-Q1 EPS reported $3.32 revenue$397,000,000

Net income $584M, diluted EPS $3.32; net interest margin 3.66% vs 3.58% in Q4 2024.
Nonaccrual loans declined to 1.14% of loans from 1.25%; provision for credit losses $130M, down from $140M.
Repurchased 3.4M shares for $662M at avg cost $192.06; CET1 ratio estimated 11.50%.
Noninterest expense $1,415M, up 4% QoQ due to seasonal salaries; FDIC assessment fell vs year ago.
Average loans fell $879M QoQ, led by commercial real estate; average deposits down $3.4B.

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