M&T Bank Corporation Refreshes Medium-Term Note Program

Event Overview

On September 22, 2026, M&T Bank Corporation filed a Form 8-K under Item 8.01 (Other Events) announcing the refresh of its Medium-Term Note (MTN) Program.

Key Details

• Program Scope: Allows the periodic issuance of Senior Medium-Term Notes, Series C, and Subordinated Medium-Term Notes, Series D.
• Governing Indentures:
  • Senior Notes: Issued under the Indenture dated May 24, 2007, as supplemented on August 16, 2022, with The Bank of New York Mellon as Senior Note Trustee.
  • Subordinated Notes: Issued under the Indenture dated September 22, 2023, with The Bank of New York Mellon as Subordinated Note Trustee.
• Registration: Registered under Form S-3 (File No. 333-299064) filed September 22, 2026.
• Distribution Agreement: Entered into with RBC Capital Markets, LLC and additional agents listed on Schedule I of the agreement.

Capital Markets & Trading Impact

This filing represents routine capital management and shelf maintenance. It provides M&T Bank Corporation with ongoing flexibility to issue senior and subordinated debt to meet operational and regulatory capital needs as market conditions dictate.