{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-017604","form_type":"8-K","ticker":"MTB","cik":"0000036270","company_name":"M&T BANK CORP","filed_at":"2025-04-14T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.961322+00:00","generated_at":"2026-05-23T15:49:51.253209+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"M&T Bank Q1 2025 EPS $3.32, net interest margin expands to 3.66%; nonaccrual loans drop","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-017604","json":"https://secwatch.observer/filing/0001628280-25-017604.json","markdown":"https://secwatch.observer/filing/0001628280-25-017604.md","text":"https://secwatch.observer/filing/0001628280-25-017604.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36270/000162828025017604/0001628280-25-017604-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36270/000162828025017604/mbt-20250414.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T15:49:51.253209+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"}