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M&T Bank (MTB) investor relations material
M&T Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary16 Oct, 2025
Executive summary
Net income for Q3 2025 was $792 million, up 11% year-over-year and 11% sequentially, with diluted EPS of $4.82, a 20% increase year-over-year, driven by higher net interest and noninterest income and improved efficiency.
Fee income excluding notable items reached a record level, and the efficiency ratio improved to 53.6%.
Asset quality improved, with reductions in criticized and non-accrual loans.
Increased quarterly dividend by 11% to $1.50 and repurchased $409 million in shares.
Continued focus on community banking, operational simplification, and risk management.
Financial highlights
Net interest income (taxable equivalent) was $1.77 billion, up 3% sequentially and $34 million year-over-year, with net interest margin at 3.68%.
Noninterest income was $752 million, up 10% sequentially and 24% year-over-year, led by mortgage banking, trust, and service charges.
Noninterest expenses were $1.36 billion, up 2% sequentially, mainly due to higher salaries, severance, and technology investments.
Net charge-offs were $146 million (0.42% of average loans), up from $108 million in Q2 2025 and $120 million in Q3 2024.
Tangible book value per share increased 3% sequentially to $115.31.
Outlook and guidance
Fourth quarter NII expected at ~$1.8 billion; full-year NII at low end of $7B–$7.15B range, with NIM forecasted at ~3.7%.
Non-interest income for Q4 guided to $670M–$690M; full-year above prior range.
Q4 expenses expected at $1.35B–$1.37B; full-year at top half of $5.4B–$5.5B outlook.
Average total loans expected at $137B–$138B; average deposits at $163B–$164B.
CET1 ratio to be maintained in 10.75%–11% range.
Rationale for reduced share repurchases?
Sustainability of 3Q25 noninterest income drivers?
Outlook for commercial real estate credit quality?
When will CRE balances bottom?
How will Basel III end game impact capital?
Assess NDFI and SSFA credit risk exposure
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The BancAnalysts Association of Boston Conference6 Nov, 2025
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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.
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