M&T reported FY 2025 net income of USD 2.85 billion (+10% YoY) and diluted EPS of USD 17.00, as net interest income rose to USD 6.95 billion (+1% YoY) and other income increased to USD 2.74 billion (+13% YoY). Net interest margin widened to 3.67% (from 3.58% in FY 2024), while the provision for credit losses fell to USD 505 million (-17% YoY) and other expense increased to USD 5.49 billion (+2% YoY). Return on average assets was 1.35% (FY 2025) and the efficiency ratio was 56.0%. Business and corporate highlights included USD 2.66 billion of common stock repurchases in FY 2025, the issuance of Series K preferred stock on October 31, 2025 (45,000 shares; USD 10,000 liquidation preference per share), and an estimated USD 78.9 billion of uninsured deposits at December 31, 2025. M&T also cited higher mortgage banking revenues (USD 550 million, +26% YoY), higher service charges on deposit accounts (USD 551 million) and trust income (USD 724 million), and noted it continued to reduce its commercial real estate concentration (124% of Tier 1 capital plus allowable allowance for credit losses at December 31, 2025 vs. 136% at December 31, 2024).

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. M&T Bank Corporation published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0000036270-26-000010), on February 18, 2026, and is solely responsible for the information contained therein.