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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
M&T Bank
M&T Bank (MTB) investor relations material
M&T Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary16 Oct, 2026
Executive summary
Q3 net income was $775m and diluted EPS was $5.04; net income fell 2% YoY and 5% QoQ.
Average loans grew $2.6b QoQ and deposits rose $3.3b, supporting lending growth and reducing reliance on short-term borrowings.
Operating net income was $780m, operating EPS was $5.08, and operating ROTCE was 17.29%.
Financial highlights
Revenue was $2.536b, up 1% YoY; GAAP net interest income was $1.793b and taxable-equivalent NII was $1.805b, both up 2% YoY.
Noninterest income was $743m, down 1% YoY; mortgage banking revenue rose $25m QoQ to $152m, while capital markets and advisory fell $9m to $32m.
Noninterest expense was $1.393b, up 2% YoY and 3% QoQ; higher technology and professional-services costs contributed to the increase.
Notable items included a $28m pretax earnout payment tied to the 2023 CIT business sale and an $8m FDIC special assessment.
Nine-month net income rose 8% YoY to $2.257b and diluted EPS increased 17% to $14.48.
Outlook and guidance
Q4 taxable-equivalent NII guidance is $1.83b–$1.85b, with NIM expected in the mid-3.60s; the forecast assumes one additional rate increase in Q4.
Q4 average loans, including loans held for sale, are guided to $145b–$146b and deposits to $169b–$170b; loan growth is expected across C&I, CRE and consumer.
Q4 fee income guidance is $710m–$730m, GAAP expenses including intangible amortization are $1.39b–$1.41b, and net charge-offs are expected at 35–40 bps.
CET1 is expected at 10.0%–10.25% through year-end; 17% operating ROTCE remains an attainable but challenging 2027 objective.
CRE growth expectations were mid-single digit, plus or minus; higher rates could temper overall loan demand in 2027.
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Next M&T Bank earnings date
The BancAnalysts Association of Boston Conference 20265 Nov, 2026
M&T Bank
Next M&T Bank earnings date
The BancAnalysts Association of Boston Conference 20265 Nov, 2026
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Frequently asked questions
Stable Regional Bank
M&T Bank Corporation is an American regional financial services company with a significant presence in the Eastern United States. Headquartered in Buffalo, New York, M&T Bank offers a wide range of services, including retail and commercial banking, trust and wealth management, and investment services. Known for its community-oriented approach, the bank has a reputation for strong customer relationships and local decision-making. M&T has a strong historical track record in regard to solid financial performance and dividend payouts. The company is headquartered in Buffalo, New York, and its shares are listed on the NYSE.
Manufacturers and Traders Bank
M&T Bank Corporation was founded in 1856 and has a long-standing history as a trusted financial institution. Originally named Manufacturers and Traders Bank, it was established to serve the business community. Over the decades, M&T has expanded significantly through a combination of organic growth and strategic acquisitions.
M&T has managed to maintain a strong presence in the community banking sector, in large part due to its focus on personalized customer service. Its stability and resilience have been evident in its ability to navigate various economic cycles, including the financial crisis of 2008, where it emerged relatively unscathed compared to many peers and was the only bank in the S&P 500 that did not lower its dividend.
For Individual Clients
M&T Bank offers a comprehensive suite of traditional banking services for individual customers. This includes a variety of checking and savings account options, each designed to meet different financial needs and goals. Its account choices range from basic, easy-to-maintain accounts to those with more features and benefits. For personal financing, M&T provides mortgage services, home equity lines of credit, and personal loans. Additionally, M&T offers wealth management services, including investment solutions, financial planning, and estate services. These services are standard in the industry, and more or less mirrors what's offered by other regional banks such as Comerica, while the company competes against names such as Citigroup and Wells Fargo in the massive American banking industry.
For Businesses
For commercial clients, M&T Bank delivers a robust array of services designed to support business growth and operational efficiency. The bank offers specialized business checking and savings accounts, each structured to cater to different business sizes and needs. For businesses in need of financing services, M&T provides a range of commercial lending options, including term loans, lines of credit, and equipment financing. Additionally, the bank offers merchant services to facilitate payment processing for businesses. M&T also provides sector-specific solutions, with services specially designed to be employed in industries such as healthcare, government, and non-profit organizations.