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Dec 31, 2025
M&T Bank Q4 2025 Earnings Report
M&T Bank posted strong Q4 results with solid EPS, lower nonaccrual loans, and improved asset quality.
Key Takeaways
M&T Bank ended Q4 2025 with net income of $759 million and EPS of $4.67, showcasing strength in profitability and asset quality. Revenues were supported by increased trust income and mortgage banking, although noninterest income fell from the prior quarter.
Net income reached $759 million, up from $681 million a year ago.
Diluted EPS grew to $4.67, with adjusted EPS at $4.72.
Nonaccrual loans declined by 26% YoY, improving asset quality.
Net interest margin increased to 3.69% from 3.58% YoY.
Revenue by Segment
Forward Guidance
M&T did not issue specific forward guidance but emphasized a strong balance sheet, improving efficiency, and readiness for growth entering 2026.
Positive Outlook
- Loan growth in commercial, residential real estate, and consumer segments
- Strong capital position with CET1 at 10.84%
- Asset quality improved with lower nonaccrual loans
- Efficient cost management reflected in stable efficiency ratio
- Repurchased 9% of outstanding shares in FY25
Challenges Ahead
- Noninterest income declined sequentially
- Higher professional service expenses
- Decrease in FDIC assessment offset by charitable contributions
- Lower interest income due to swap impact and deposit costs
Historical Earnings Impact
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Avg. Return Before/After Earnings
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