Every material Form 8-K M&T Bank has filed with the SEC since October 18, 2023, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
M&T Bank Corporation reported third quarter 2026 net income of $775 million, or $5.04 per diluted share, down from $818 million in the second quarter but up from $4.82 per share a year earlier. Net income fell 2% from the year-earlier quarter, while diluted EPS rose 5% as average diluted shares declined 7%, and the company repurchased $323 million of its stock during the quarter.
Net income $775 million vs. $818 million in Q2 2026 and $792 million in Q3 2025
Diluted EPS $5.04 vs. $5.32 in Q2 2026 and $4.82 in Q3 2025; diluted net operating EPS $5.08
Provision for credit losses $135 million vs. $120 million in Q2 2026; nonaccrual loans $1.3 billion at September 30, 2026
CET1 capital ratio estimated at 10.16% at September 30, 2026, vs. 10.19% at June 30, 2026
M&T Bank Corporation reported second quarter 2026 net income of $818 million, up 14% from $716 million a year earlier, and diluted earnings of $5.32 per share, up from $4.24. The company said the results reflect strong contributions from its commercial, retail, institutional services and wealth management businesses, and it repurchased $465 million of its common stock during the quarter.
Net income of $818 million vs. $716 million in Q2 2025 and $664 million in Q1 2026
Diluted earnings per share of $5.32, vs. $4.24 in Q2 2025 and $4.13 in Q1 2026
Net operating income of $823 million; net interest margin steady at 3.70%
Provision for credit losses fell to $120 million from $140 million in Q1 2026; nonaccrual loans were $1.2 billion at June 30, 2026
M&T Bank Corporation's Board elected Jeremy M. Jacobs Jr., CEO of Delaware North Companies, as a director effective June 16, 2026, and also to the board of its banking subsidiary, M&T Bank. The filing describes this as a board appointment with no reported financial results, and notes that Delaware North has ordinary-course credit relationships with M&T Bank on standard terms.
Jacobs was elected to M&T's Board and the M&T Bank board effective June 16, 2026.
Jacobs is chief executive officer of Delaware North Companies, Inc., a global hospitality and entertainment company.
As a non-employee director, he will take part in M&T's director compensation program described in the 2026 proxy statement filed March 10, 2026.
Delaware North and its affiliates have ordinary-course credit relationships with M&T Bank on substantially the same terms as other customers.
M&T Bank Corporation reported first quarter 2026 net income of $664 million, or $4.13 per diluted share, up from $584 million and $3.32 a year earlier but down from $759 million and $4.67 in the fourth quarter of 2025. The company also repurchased $1.25 billion of common stock during the quarter and reported an estimated CET1 capital ratio of 10.33% at March 31, 2026.
Net income $664 million, up 14% from $584 million in Q1 2025; diluted EPS $4.13 versus $3.32 a year earlier
Noninterest income $689 million, up from $611 million a year earlier; net interest margin 3.71% versus 3.66%
Repurchased 5.5 million shares for $1.25 billion in the quarter; estimated CET1 ratio 10.33% versus 11.50% a year earlier
Quarterly results were released April 15, 2026, with a conference call at 8:00 a.m. Eastern Time that day
M&T Bank reported fourth-quarter 2025 net income of $759 million, or $4.67 per diluted share, up from $681 million, or $3.86 per share, a year earlier but down from $792 million in the third quarter. For full-year 2025, net income was $2.85 billion, or $17.00 per diluted share, compared with $14.64 in 2024. The results show higher year-over-year earnings per share, while the sequential quarterly decline reflects lower other revenues and higher expenses.
Q4 2025 net income was $759 million, up 12% from $681 million in Q4 2024 and down from $792 million in Q3 2025.
Q4 2025 diluted earnings per share were $4.67, compared with $3.86 in Q4 2024 and $4.82 in Q3 2025.
Full-year 2025 diluted earnings per share were $17.00, up 16% from $14.64 in 2024.
M&T repurchased 2.7 million shares in Q4 2025 for a total cost of $507 million; the CET1 capital ratio was estimated at 10.84% at December 31, 2025.
M&T Bank Corporation reported third-quarter 2025 net income of $792 million, or $4.82 per diluted share, up from $721 million, or $4.02 per share, a year earlier. Net interest income and noninterest income both rose from the year-earlier quarter, while the provision for credit losses was $125 million. For shareholders, diluted earnings per share rose 20% from a year earlier, and the company repurchased $409 million of its common stock in the quarter.
Diluted EPS was $4.82, compared with $4.02 in the third quarter of 2024 and $4.24 in the second quarter of 2025.
Noninterest income was $752 million, up from $606 million a year earlier, including a $28 million earnout distribution and a $20 million distribution from Bayview Lending Group.
M&T repurchased 2.1 million shares for $409 million in the quarter, compared with $1.1 billion in the second quarter of 2025.
Nonaccrual loans were $1.5 billion at September 30, 2025, down from $1.9 billion a year earlier; the CET1 capital ratio was an estimated 10.99%.
M&T Bank reported second quarter 2025 net income of $716 million, or $4.24 per diluted share, up from $655 million and $3.73 a year earlier and from $584 million in the first quarter. The company repurchased 6,073,957 shares for $1.1 billion during the quarter, and its estimated CET1 capital ratio declined to 10.98%. M&T's stress capital buffer is estimated to fall from 3.8% to 2.7% effective October 1, 2025.
Net income of $716 million and diluted EPS of $4.24 for Q2 2025, compared with $655 million and $3.73 in Q2 2024
Diluted net operating EPS of $4.28, compared with $3.79 in Q2 2024 and $3.38 in Q1 2025
Share repurchases of 6,073,957 shares for a total cost of $1.1 billion, versus $662 million in Q1 2025
Estimated stress capital buffer of 2.7% effective October 1, 2025, down from 3.8%
M&T Bank Corporation reported first quarter 2025 net income of $584 million, or $3.32 per diluted share, up from $3.02 a year earlier but down from $3.86 in the fourth quarter of 2024. Net operating income was $594 million, or $3.38 per diluted share, and the company repurchased 3,415,303 shares for $662 million, lowering its estimated CET1 capital ratio to 11.50% at March 31, 2025.
Net income of $584 million and diluted EPS of $3.32, compared with $531 million and $3.02 in the first quarter of 2024 and $681 million and $3.86 in the fourth quarter of 2024.
Net operating income of $594 million, or $3.38 per diluted share, compared with $543 million and $3.09 a year earlier.
Provision for credit losses fell to $130 million from $200 million a year earlier, and nonaccrual loans were 1.14% of loans outstanding versus 1.71%.
Share repurchases totaled $662 million for 3,415,303 shares at an average cost of $192.06; the CET1 capital ratio was an estimated 11.50%, down from 11.68% at December 31, 2024.
M&T Bank Corporation reported fourth-quarter 2024 net income of $681 million, or $3.86 per diluted share, up from $482 million and $2.74 in the fourth quarter of 2023 but down from $721 million and $4.02 in the third quarter of 2024. For full-year 2024, net income was $2.59 billion, or $14.64 per diluted share, compared with $2.74 billion and $15.79 in 2023. The filing includes no financial guidance for 2025.
Q4 2024 net income $681 million and diluted EPS $3.86, versus $721 million and $4.02 in Q3 2024.
Full-year 2024 net income $2.59 billion and diluted EPS $14.64, versus $2.74 billion and $15.79 in 2023.
Estimated CET1 capital ratio rose to 11.67% at December 31, 2024, from 11.54% at September 30, 2024; M&T repurchased $200 million of common stock in Q4.
Nonaccrual loans fell to 1.25% of total loans at December 31, 2024, from 1.42% at September 30, 2024.
M&T Bank Corporation reported third-quarter 2024 net income of $721 million, or $4.02 per diluted share, up from $655 million and $3.73 per share in the second quarter and from $690 million and $3.98 per share a year earlier. Its CET1 capital ratio rose to an estimated 11.54% and the company repurchased $200 million of its common stock, which supports per-share results and capital for shareholders.
Diluted EPS was $4.02 in the third quarter of 2024, compared with $3.73 in the second quarter and $3.98 in the third quarter of 2023.
Provision for credit losses fell to $120 million from $150 million in the second quarter, and nonaccrual loans declined to 1.42% of loans from 1.50%.
Net interest margin widened to 3.62% from 3.59% in the second quarter, while net interest income was $1,726 million.
M&T repurchased 1,190,054 shares for $200 million in the quarter and declared $1.35 per common share in cash dividends.
M&T Bank reported second quarter 2024 net income of $655 million, or $3.73 per diluted share, up from $3.02 in the first quarter but down 25% from $867 million a year earlier. Net operating income was $665 million, or $3.79 per diluted share, versus $879 million a year earlier, and the company's CET1 capital ratio rose to an estimated 11.44%.
Diluted EPS of $3.73 compared with $3.02 in Q1 2024 and $5.05 in Q2 2023
Net interest income of $1,718 million, up from $1,680 million in Q1 2024 but down from $1,799 million in Q2 2023
Noninterest income fell to $584 million from $803 million a year earlier
Nonaccrual loans declined to $2.0 billion at June 30, 2024, and CET1 capital ratio reached an estimated 11.44%
M&T Bank Corporation said Senior Executive Vice President Darren J. King will leave the company effective August 10, 2024. The filing does not give a reason for the departure or name a successor.
Darren J. King, Senior Executive Vice President, will separate from the company.
Separation takes effect August 10, 2024.
Announced June 26, 2024 in a filing signed by Chief Legal Officer Laura O'Hara.
M&T Bank Corporation reported first quarter 2024 net income of $531 million, or $3.02 per diluted share, down from $702 million and $4.01 a year earlier but up from $482 million and $2.74 in the fourth quarter of 2023. Net interest income fell 8% from a year earlier as funding costs rose, and provisions for credit losses increased, which weighed on earnings for shareholders.
Net income was $531 million versus $702 million in Q1 2023, a 24% decline; diluted EPS was $3.02 versus $4.01
Net operating income was $543 million, or $3.09 per diluted share, versus $715 million, or $4.09, a year earlier
Net interest margin was 3.52% versus 4.04% a year earlier; provision for credit losses was $200 million versus $120 million
Expenses included a $29 million estimated increase in the FDIC special assessment; the company did not repurchase shares in Q1 2024
M&T Bank reported fourth-quarter 2023 net income of $482 million, or $2.74 per diluted share, down from $690 million and $3.98 in the third quarter and from $765 million and $4.29 a year earlier. The quarter included a $197 million FDIC special assessment, and net interest margin narrowed to 3.61% from 3.79%. For the full year, net income rose to $2.74 billion, or $15.79 per diluted share, from $1.99 billion and $11.53 in 2022.
Q4 2023 net income was $482 million, or $2.74 per diluted share, versus $690 million and $3.98 in Q3 2023 and $765 million and $4.29 in Q4 2022.
Q4 noninterest expense included a $197 million FDIC special assessment, or $0.88 per diluted share after tax.
Provision for credit losses rose to $225 million from $150 million in Q3 2023, citing pressure on investor-owned commercial real estate borrowers.
Full-year 2023 net income was $2.74 billion, or $15.79 per diluted share, versus $11.53 in 2022; net operating earnings per share were $16.08 versus $14.42.
M&T Bank reported third quarter 2023 net income of $690 million, or $3.98 per diluted share, down from $867 million and $5.05 in the second quarter but up from $647 million and $3.53 a year earlier. The sequential drop mainly reflects a $225 million gain on the sale of its Collective Investment Trust business in the second quarter, and the company did not repurchase any shares in the quarter.
Net income $690 million vs. $867 million in Q2 2023 and $647 million in Q3 2022
Diluted EPS $3.98 vs. $5.05 in Q2 2023 and $3.53 in Q3 2022; diluted net operating EPS $4.05, up 6% from $3.83 a year earlier
Net interest margin narrowed to 3.79% from 3.91% in Q2 2023; nonaccrual loans fell to 1.77% of loans from 1.83%
Estimated CET1 capital ratio rose to 10.94% from 10.59%; no share repurchases in Q3 2023
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every M&T Bank filing is on SEC EDGAR ↗. 8-K briefs of other companies →