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Mar 31, 2025
M&T Bank Q1 2025 Earnings Report
M&T Bank posted solid results in Q1 2025 with stable income and a strengthened margin.
Key Takeaways
M&T Bank reported strong Q1 2025 results, with a net income of $584 million and a net interest margin expansion. While noninterest income declined sequentially, credit quality improved and capital was actively returned to shareholders.
Net income reached $584 million, up from $531 million in Q1 2024.
Net interest margin widened to 3.66% due to reduced funding costs.
Noninterest income declined 7% QoQ due to absence of one-time gains.
M&T repurchased $662 million in shares during the quarter.
Revenue by Segment
Forward Guidance
M&T expects to maintain strong capital and credit quality while managing deposit costs and investing in operational efficiency.
Positive Outlook
- Strong capital position with CET1 at 11.5%
- Improved nonaccrual loan levels
- Stable net interest income outlook
- Positive trends in residential and consumer lending
- Ongoing investment in technology and efficiency
Challenges Ahead
- Noninterest income volatility from one-time gains
- Provision for credit losses remains elevated
- Reduced loan origination in commercial real estate
- Seasonal increase in compensation costs
- Pressure on deposit growth and funding sources
Historical Earnings Impact
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Avg. Return Before/After Earnings
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