MTB Q2 net income $716M, EPS $4.24; SCB cut to 2.7%, buybacks $1.1B

M&T BANK CORP

2025-Q2 EPS reported $7.55 revenue$814,000,000

Net income $716M, diluted EPS $4.24, vs $584M ($3.32) in Q1 and $655M ($3.73) in Q2 2024.
NII (tax-equiv) $1,722M, NIM 3.62% vs 3.66% in Q1; average loans $135.4B.
Repurchased 6.07M shares for $1.1B; CET1 ratio fell to 10.98% from 11.50%.
Provision for credit losses $125M; nonaccrual loans $1.57B (1.16%) vs $2.02B (1.50%) a year ago.
Federal Reserve stress test: SCB lowered from 3.8% to 2.7% effective Oct 1, 2025.

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