M&T BANK CORP

MTB 10-K · FY 2025
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Income Statement

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Income Statement
Metric FY 2025 FY 2024 YoY
Revenue (FY) — — —
Show Business Segments breakouts
All Other Segments · Operating Segments 313 -260 +220.4%
Commercial Bank · Operating Segments 2,947 2,884 +2.2%
Institutional Services and Wealth Management · Operating Segments 1,562 1,557 +0.3%
Retail Bank · Operating Segments 4,868 5,098 -4.5%
Show Consolidated Entities breakouts
Parent Company 2,916 1,435 +103.2%
Show Consolidation Items breakouts
Operating Segments 9,690 9,279 +4.4%
Revenue 1,657 1,541 +7.5%
Show Product Lines breakouts
Brokerage services income 131 121 +8.3%
Brokerage services income · Commercial Bank 6 6 0.0%
Brokerage services income · Institutional Services and Wealth Management 125 115 +8.7%
Credit Card Merchant Discount 173 162 +6.8%
Credit Card Merchant Discount · Commercial Bank 75 74 +1.4%
Credit Card Merchant Discount · Retail Bank 98 88 +11.4%
Deposit Account 551 514 +7.2%
Deposit Account · Commercial Bank 177 160 +10.6%
Deposit Account · Institutional Services and Wealth Management 1 1 0.0%
Deposit Account · Retail Bank 373 353 +5.7%
Fiduciary And Trust 724 675 +7.3%
Fiduciary And Trust · Commercial Bank 4 3 +33.3%
Fiduciary And Trust · Institutional Services and Wealth Management 720 672 +7.1%
Product And Service Other 78 69 +13.0%
Product And Service Other · Commercial Bank 40 29 +37.9%
Product And Service Other · Institutional Services and Wealth Management 8 10 -20.0%
Product And Service Other · Retail Bank 30 30 0.0%
Show Business Segments breakouts
Commercial Bank 302 272 +11.0%
Institutional Services and Wealth Management 854 798 +7.0%
Retail Bank 501 471 +6.4%
Income Before Taxes 3,692 3,310 +11.5%
Show Business Segments breakouts
All Other Segments · Operating Segments -141 -915 +84.6%
Commercial Bank · Operating Segments 1,228 1,194 +2.8%
Institutional Services and Wealth Management · Operating Segments 674 720 -6.4%
Retail Bank · Operating Segments 1,931 2,311 -16.4%
Show Consolidation Items breakouts
Operating Segments 3,692 3,310 +11.5%
Income Tax Expense (Benefit) 841 722 +16.5%
Show Business Segments breakouts
All Other Segments · Operating Segments -144 -381 +62.2%
Commercial Bank · Operating Segments 324 323 +0.3%
Institutional Services and Wealth Management · Operating Segments 172 185 -7.0%
Retail Bank · Operating Segments 489 595 -17.8%
Show Consolidated Entities breakouts
Parent Company -67 -51 -31.4%
Show Consolidation Items breakouts
Operating Segments 841 722 +16.5%
Net Income 2,851 2,588 +10.2%
Show Business Segments breakouts
All Other Segments · Operating Segments 3 -534 +100.6%
Commercial Bank · Operating Segments 904 871 +3.8%
Institutional Services and Wealth Management · Operating Segments 502 535 -6.2%
Retail Bank · Operating Segments 1,442 1,716 -16.0%
Show Consolidated Entities breakouts
Parent Company 2,851 2,588 +10.2%
Show Consolidation Items breakouts
Operating Segments 2,851 2,588 +10.2%
Comprehensive Income 3,292 2,883 +14.2%
Show Equity Components breakouts
Accumulated Other Comprehensive Income 441 295 +49.5%
Retained Earnings 2,851 2,588 +10.2%
Other Comprehensive Income (FY) — — —
Show Equity Components breakouts
Accumulated Other Comprehensive Income 441 295 +49.5%
EPS (Basic) 17.1 14.71 +16.2%
Show Consolidated Entities breakouts
Parent Company 17.1 14.71 +16.2%
EPS (Diluted) 17 14.64 +16.1%
Show Consolidated Entities breakouts
Parent Company 17 14.64 +16.1%
Wtd Avg Shares (Basic) 157,875 166,479 -5.2%
Wtd Avg Shares (Diluted) 158,791 167,319 -5.1%
Brokerage Commissions Revenue 131 121 +8.3%
Interest And Dividend Income Operating 10,486 11,026 -4.9%
Interest Expense Operating 3,538 4,174 -15.2%
Marketing And Advertising Expense 102 104 -1.9%
Occupancy Net 525 512 +2.5%
Other Noninterest Expense 518 546 -5.1%
Professional Fees 356 344 +3.5%
Net Income Loss Available To Common Stockholders Basic 2,699 2,449 +10.2%
Noninterest Expense 5,493 5,359 +2.5%
Show Consolidated Entities breakouts
Parent Company 42 62 -32.3%
Noninterest Income 2,742 2,427 +13.0%
Show Business Segments breakouts
All Other Segments · Operating Segments 119 136 -12.5%
Commercial Bank · Operating Segments 795 672 +18.3%
Institutional Services and Wealth Management · Operating Segments 907 809 +12.1%
Retail Bank · Operating Segments 921 810 +13.7%
Show Consolidated Entities breakouts
Parent Company 4 4 0.0%
Show Consolidation Items breakouts
Operating Segments 2,742 2,427 +13.0%
Interest Income Expense Net 6,948 6,852 +1.4%
Show Business Segments breakouts
All Other Segments · Operating Segments 194 -396 +149.0%
Commercial Bank · Operating Segments 2,152 2,212 -2.7%
Institutional Services and Wealth Management · Operating Segments 655 748 -12.4%
Retail Bank · Operating Segments 3,947 4,288 -8.0%
Show Consolidation Items breakouts
Operating Segments 6,948 6,852 +1.4%
Labor And Related Expense 3,342 3,162 +5.7%
Show Business Segments breakouts
All Other Segments · Operating Segments 1,486 1,361 +9.2%
Commercial Bank · Operating Segments 617 610 +1.1%
Institutional Services and Wealth Management · Operating Segments 436 413 +5.6%
Retail Bank · Operating Segments 803 778 +3.2%
Show Consolidation Items breakouts
Operating Segments 3,342 — —
Revenue From Contract With Customer Including Assessed Tax (FY) — — —
Show Schedule Of Equity Method Investment Equity Method Investee Name breakouts
Bayview Lending Group and Bayview Financial 4 5 -20.0%
Preferred Stock Dividends Income Statement Impact -146 -134 -9.0%
Operating Lease Lease Income 48 44 +9.1%
Interest Income Operating (FY) — — —
Show Consolidated Entities breakouts
Parent Company 116 77 +50.6%
Income Loss From Equity Method Investments (FY) — — —
Show Consolidated Entities breakouts
Parent Company · Bayview Lending Group, LLC 20 48 -58.3%
Show Schedule Of Equity Method Investment Equity Method Investee Name breakouts
Bayview Lending Group · Other Revenues From Operations 20 48 -58.3%

Balance Sheet

Balance Sheet
Metric FY 2025 FY 2024 YoY
Current Assets
Cash & Cash Equivalents (Q) — — —
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level1 1,588 1,749 -9.2%
Fair Value Inputs Level2 113 160 -29.4%
Show Consolidated Entities breakouts
Parent Company 3,790 3,643 +4.0%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 1,701 1,909 -10.9%
Estimate Of Fair Value Fair Value Disclosure 1,701 1,909 -10.9%
Non-Current Assets
Property, Plant & Equipment 1,629 1,705 -4.5%
Operating Lease Right-of-Use Assets 544 569 -4.4%
Goodwill 8,465 8,465 0.0%
Show Business Segments breakouts
Commercial Bank 5,076 — —
Institutional Services and Wealth Management 300 — —
Retail Bank 3,089 — —
Intangible Assets 64 94 -31.9%
Show Finite Lived Intangible Assets By Major Class breakouts
Core Deposits 54 87 -37.9%
Other Intangible Assets 10 7 +42.9%
Total Assets 213,510 208,105 +2.6%
Show Consolidated Entities breakouts
Parent Company 36,152 34,326 +5.3%
Variable Interest Entity Primary Beneficiary 10.7 10.5 +1.9%
Non-Current Liabilities
Long-Term Debt 10,911 12,605 -13.4%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level2 11,179 12,754 -12.3%
Show Legal Entity breakouts
M&T 6,733 5,143 +30.9%
M&T Bank 4,178 7,462 -44.0%
Show Consolidated Entities breakouts
Parent Company 6,733 5,143 +30.9%
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 10,911 12,605 -13.4%
Estimate Of Fair Value Fair Value Disclosure 11,179 12,754 -12.3%
Total Liabilities 184,333 179,078 +2.9%
Show Consolidated Entities breakouts
Parent Company 6,975 5,299 +31.6%
Stockholders' Equity
Common Stock 90 90 0.0%
Additional Paid-In Capital 10,011 9,999 +0.1%
Retained Earnings 20,882 19,079 +9.5%
Accumulated Other Comprehensive Income 277 -164 +268.9%
Total Stockholders' Equity 29,177 29,027 +0.5%
Show Equity Components breakouts
Accumulated Defined Benefit Plans Adjustment 61 98 -37.8%
Accumulated Gain Loss Net Cash Flow Hedge Parent 67 -101 +166.3%
Accumulated Net Unrealized Investment Gain Loss 155 -153 +201.3%
Accumulated Other Comprehensive Income 277 -164 +268.9%
Additional Paid In Capital 10,011 9,999 +0.1%
Common Stock 90 90 0.0%
Other -6 -8 +25.0%
Preferred Stock 2,834 2,394 +18.4%
Retained Earnings 20,882 19,079 +9.5%
Treasury Stock Common -4,917 -2,371 -107.4%
Show Consolidated Entities breakouts
Parent Company 29,177 29,027 +0.5%
Total Liabilities & Equity 213,510 208,105 +2.6%
Show Consolidated Entities breakouts
Parent Company 36,152 34,326 +5.3%

Cash Flow Statement

Cash Flow Statement
Metric FY 2025 FY 2024 YoY
Operating Activities
Depreciation & Amortization 323 316 +2.2%
Show Business Segments breakouts
All Other Segments · Operating Segments 207 208 -0.5%
Commercial Bank · Operating Segments 42 39 +7.7%
Institutional Services and Wealth Management · Operating Segments 8 9 -11.1%
Retail Bank · Operating Segments 241 252 -4.4%
Show Consolidation Items breakouts
Operating Segments 498 508 -2.0%
Deferred Income Taxes -18 -27 +33.3%
Show Consolidated Entities breakouts
Parent Company -26 -8 -225.0%
Net Cash from Operations 3,003 3,610 -16.8%
Show Consolidated Entities breakouts
Parent Company 2,600 1,137 +128.7%
Investing Activities
Purchases of Investments -8,439 -14,476 +41.7%
Other Investing Activities 19 -538 +103.5%
Show Consolidated Entities breakouts
Parent Company 93 -64 +245.3%
Net Cash from Investing -6,816 -9,746 +30.1%
Financing Activities
Share Repurchases -2,631 -396 -564.4%
Show Consolidated Entities breakouts
Parent Company -2,631 -396 -564.4%
Net Cash from Financing 1,800 -2,882 +162.5%
Supplemental
Income Taxes Paid 529 236 +124.2%
Show Consolidated Entities breakouts
Parent Company 54 51 +5.9%
Interest Paid 3,524 4,319 -18.4%

Values in millions USD. Source: SEC EDGAR 10-K filing.

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