{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-034994","form_type":"8-K","ticker":"MTB","cik":"0000036270","company_name":"M&T BANK CORP","filed_at":"2025-07-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.078818+00:00","generated_at":"2026-05-18T06:21:44.404056+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"MTB Q2 net income $716M, EPS $4.24; SCB cut to 2.7%, buybacks $1.1B","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-034994","json":"https://secwatch.observer/filing/0001628280-25-034994.json","markdown":"https://secwatch.observer/filing/0001628280-25-034994.md","text":"https://secwatch.observer/filing/0001628280-25-034994.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/36270/000162828025034994/0001628280-25-034994-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/36270/000162828025034994/mbt-20250716.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:21:44.404056+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"}