On October 18, 2025, M&T Bank Corporation announced its third‑quarter 2025 financial results. The bank reported net income of $792 million, or $4.82 per diluted share, and net interest income of $1.761 billion, up from $1.713 billion in the prior quarter. Noninterest income rose to $752 million, while the net interest margin expanded to 3.68 %.
The bank’s balance‑sheet highlights include a 10.99 % Common Equity Tier 1 capital ratio, a 53.6 % efficiency ratio, and a 1.10 % nonaccrual loan ratio. Share repurchases totaled 2.1 million shares at an average cost of $193.46 per share, and the company increased its quarterly dividend by 11 % to $1.65 per share. Noninterest expense increased modestly to $1.363 billion, driven by higher salaries and data‑processing costs.
Asset quality metrics improved, with nonaccrual loans declining to $1.512 billion and charge‑offs at 0.42 % of average loans. The allowance for loan losses stood at $2.161 billion, or 1.58 % of total loans. The bank’s liquidity position remains strong, with an estimated liquidity coverage ratio of 108 % and a stress‑capital buffer of 2.7 %.
Chief Financial Officer Daryl N. Bible highlighted that M&T’s businesses generated robust fee income and that the bank remains committed to delivering solutions for its customers and communities. He noted that the company will continue to return capital to investors through share repurchases and dividend increases, underscoring its focus on shareholder value and prudent capital management.
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