Sep 30, 2023

M&T Bank Q3 2023 Earnings Report

Reported net income of $690 million and diluted earnings per common share of $3.98.

Key Takeaways

M&T Bank Corporation reported a net income of $690 million, or $3.98 diluted earnings per common share, for the third quarter of 2023. The bank's capital position remained strong, with the CET1 capital ratio increasing to an estimated 10.94%.

CET1 capital ratio increased to an estimated 10.94%.

Net interest margin narrowed to 3.79% due to rising deposit rates outpacing asset yields.

Average loans and leases decreased 1% due to a decline in commercial real estate loan balances.

Nonaccrual loans improved to 1.77% of loans outstanding.

Total Revenue
$2.34B
Previous year: $2.24B
+4.1%
EPS
$4.05
Previous year: $3.83
+5.7%
Net Interest Margin
3.79%
Previous year: 3.68%
+3.0%
Efficiency Ratio
53.7%
Previous year: 53.6%
+0.2%
Gross Profit
$2.34B
Cash and Equivalents
$1.77B
Previous year: $2.26B
-21.6%
Total Assets
$209B
Previous year: $198B
+5.6%

M&T Bank

M&T Bank

Forward Guidance

This news release and related conference call may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and the rules and regulations of the SEC.