M&T Bank MTB
M&T is a New York business corporation that has elected to be treated as an FHC under the BHCA and is a BHC under Article III-A of the New York Banking Law. 10-K, Item 1
- Headquarters
- Buffalo, NY
- CEO
- Rene F. Jones
- Next results
- around Jan 15, 2027
What changed
2 new risk paragraphs. 10-K filed Feb 18, 2026 against Feb 19, 2025.
Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.
Accounting checks
8 checks on the latest 10-K. Checks, not verdicts.
0facts worth reading about all 8 checks found nothing to note
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Same auditor in both 10-Ks: PricewaterhouseCoopers LLP
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No statement of substantial doubt about going concern
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No 8-K item 4.02 in the last 2 years
5 more checks with nothing to note
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No NT 10-K or NT 10-Q in the last 2 years
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The same matters as last year: Allowance for Loan Losses - Adjustments to model forecasts; Buffalo, New York; February 18, 2026
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No sentence in the 10-K concludes that controls were not effective because of a material weakness
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No 8-K item 2.06 in the last 2 years
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No 8-K item 1.03 in the last 2 years
In their words
2 paragraphs in Risk Factors that were not in the 10-K filed Feb 19, 2025. Quoted as filed.
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Item 1A · new paragraph · not in the 10-K filed Feb 19, 2025 10-K, ITEM 1A
In July 2025 the GENIUS Act, which establishes a regulatory framework for “payment stablecoins” and their issuers, was signed into law. Consumers and businesses may view payment stablecoins as a substitute for traditional bank deposits, which could result in reduced levels of deposits in the banking system. Depending on consumer and…
New risk paragraphs, against peers
Latest 10-K of each, Financials companies closest in revenue
Paragraphs in Risk Factors with nothing like them in the company's 10-K the year before. A count of text, not of risk.
Financial performance
Last 4 fiscal years · 10-K XBRL
| Metric | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | $8.2B | $9.6B | $9.3B | $9.7B |
| Net income | $2.0B | $2.7B | $2.6B | $2.9B |
| Operating cash flow | $4.6B | $3.9B | $3.6B | $3.0B |
| Free cash flow | $4.4B | $3.6B |
Revenue, FY2016 to FY2025
Ten fiscal years, each from its own 10-K · XBRL · USD
$9.7B ▲ 4.4% in FY2025$2.9B ▲ 10.2% in FY2025
Recent filings
2 filings in the last 30 days · SEC EDGAR
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10-QNov 5, 2026Quarterly report (10-Q) period ended Sep 30, 2026
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8-KOct 16, 2026Quarterly results, Regulation FD disclosure 8-K items 2.02, 7.01
About the company
M&T Bank, Buffalo, NY · from the 10-K filed Feb 18, 2026
M&T is a New York business corporation that has elected to be treated as an FHC under the BHCA and is a BHC under Article III-A of the New York Banking Law. M&T was incorporated in November 1969. At December 31, 2025, M&T had two wholly-owned bank subsidiaries: M&T Bank and Wilmington Trust, N.A. The banks collectively offer a wide range of retail and commercial banking, wealth management, trust and institutional services to their customers. The Company had consolidated total assets of $213.5 billion, deposits of $166.9 billion and shareholders’ equity of $29.2 billion at December 31, 2025. The principal executive offices of M&T and M&T Bank are located in Buffalo, New York.
- Headquarters
- Buffalo, NY
- Country
- United States
- Reports in
- USD
- Listed on
- NYSE
- Fiscal year ends
- December 31
- Last results
- Oct 16, 2026
- Incorporated in
- NY
Email alerts
Sources
The 10-K filed Feb 18, 2026 (open at SEC), compared with the 10-K filed Feb 19, 2025. Numbers from the XBRL of the 10-Ks; filings from SEC EDGAR.
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