---
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"
generated_at: "2026-05-18T06:21:44.404056+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-034994
- JSON: https://secwatch.observer/filing/0001628280-25-034994.json
- Plain text: https://secwatch.observer/filing/0001628280-25-034994.txt

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