---
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"
generated_at: "2026-05-23T15:49:51.253209+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-017604
- JSON: https://secwatch.observer/filing/0001628280-25-017604.json
- Plain text: https://secwatch.observer/filing/0001628280-25-017604.txt

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