M&T Bank Corporation Furnishes Q3 2026 Investor Presentation via Form 8-K

Overview of Filing

On September 14, 2026, M&T Bank Corporation (MTB) filed a Current Report on Form 8-K under Item 7.01 (Regulation FD Disclosure) and Item 9.01 (Financial Statements and Exhibits).

Key Highlights from Investor Update (Exhibit 99.1)

1. Financial Performance (1H 2026):

   • Diluted EPS: $9.44 (+25% YoY)
   • Net Income: $1,482 million (+14% YoY)
   • Return on Tangible Assets (ROTA): 1.46%
   • Return on Tangible Common Equity (ROTCE): 16.5%
   • Net Interest Margin (NIM): 3.70%
   • Efficiency Ratio: 55.5%
   • Net Charge-Offs (NCOs): 27 bps of average loans

2. Asset Quality:

   • Nonaccrual loans stood at $1,208 million (0.84% of total loans).
   • Criticized commercial loans dropped to $5,852 million (6.5% of commercial loans), down 19% since YE 2025.

3. 2026 Full-Year Outlook:

   • Taxable-equivalent Net Interest Income: $7.2 to $7.35 billion (tracking toward bottom half of the range; full-year NIM in high 3.60s).
   • Fee Income: $2.8 to $2.85 billion (tracking toward top end).
   • GAAP Expenses: $5.5 to $5.6 billion (tracking toward top end).
   • Average Loans: $141 to $143 billion.
   • Average Deposits: $165 to $167 billion.
   • CET1 Capital Ratio Target: 10.0% to 10.5%.

Significance & Market Impact

• Trading Significance: Low.
• This filing contains a routine presentation for investor conferences and ongoing engagement. No revision to full-year guidance ranges was announced.