Welcome to our dedicated page for M&T BANK SEC filings (Ticker: MTB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Our SEC filing database is enhanced with expert analysis from Rhea-AI, providing insights into the potential impact of each filing on M&T BANK's stock performance. Each filing includes a concise AI-generated summary, sentiment and impact scores, and end-of-day stock performance data showing the actual market reaction. Navigate easily through different filing types including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, proxy statements (DEF 14A), and Form 4 insider trading disclosures.
Designed for fundamental investors and regulatory compliance professionals, our page simplifies access to critical SEC filings. By combining real-time EDGAR feed updates, Rhea-AI's analytical insights, and historical stock performance data, we provide comprehensive visibility into M&T BANK's regulatory disclosures and financial reporting.
M&T Bank Corporation established a new series of preferred stock, Perpetual 6.625% Non‑Cumulative Preferred Stock, Series L, by filing a Certificate of Amendment in New York on July 17, 2026. The Series L Preferred Stock has a $10,000 liquidation preference per share, is represented by 24,000,000 Depositary Shares and ranks senior to common stock and equally with M&T’s existing Series F, H, I, J and K preferred stock for dividends and liquidation.
Each Depositary Share represents a 1/400th interest in a share of Series L and is economically equivalent to $25 per Depositary Share. Dividends are noncumulative, payable quarterly in arrears at a 6.625% annual rate, when, as and if declared, beginning September 15, 2026, subject to regulatory and capital adequacy limits. The stock is perpetual with no maturity; M&T may redeem it on any dividend payment date on or after September 15, 2031, or within 90 days after a regulatory capital treatment event, at $10,000 per share (or $25 per Depositary Share) plus declared and unpaid dividends. Voting rights are limited to specified charter amendments, certain mergers or exchanges, director elections after sustained dividend non‑payments, and other matters required by law. On July 21, 2026, M&T completed the public offering of the Depositary Shares under an Underwriting Agreement with a syndicate led by major investment banks.
M&T Bank Corporation is conducting a primary offering of 24,000,000 depositary shares, each representing a 1/400th interest in a share of its Perpetual 6.625% non-cumulative Preferred Stock, Series L, with a $10,000 liquidation preference per share (equivalent to $25 per depositary share). The public offering price is $25 per depositary share, for gross proceeds of $600,000,000 and estimated net proceeds of $584,423,216.30 after underwriting discounts, to be used for general corporate purposes, which may include redemption of existing preferred stock. Dividends are payable quarterly in arrears from September 15, 2026, at 6.625% per annum, only when declared and on a non-cumulative basis. Subject to regulatory approval, the preferred is redeemable at the issuer’s option on any dividend payment date on or after September 15, 2031, or within 90 days of a regulatory capital treatment event, at $10,000 per preferred share ($25 per depositary share) plus declared and unpaid dividends. The company intends to list the depositary shares on the NYSE under the symbol MTBPrL and expects book-entry settlement around July 21, 2026. Preliminary second-quarter 2026 results show diluted EPS of $5.32 and GAAP net income of $818 million, with an estimated CET1 capital ratio of 10.19%.
Vice Chairman Kevin J. Pearson of M&T Bank Corp sold 2,000 shares of common stock at $242 per share in an open-market transaction on July 15, 2026, executed automatically under a Rule 10b5-1 trading plan adopted on March 5, 2026.
After the sale, he holds 44,107 shares of common stock directly, plus 3,541 shares indirectly through a 401(k) plan and 3,807 phantom common stock units in a supplemental retirement plan that are payable in cash and track an equivalent number of M&T Bank common shares.
MTB investor Gary N. Geisel filed a Form 144 notice covering the proposed sale of 1,259 common shares through Fidelity Brokerage Services on or about July 16, 2026 on the NYSE. The shares come from restricted stock vesting on several dates between 2018 and 2024. The notice also discloses a prior sale of 1,200 common shares on June 10, 2026 for $273,330.00 during the past three months.
M&T Bank Corporation is offering depositary shares, each representing a 1/400th interest in a share of its Perpetual Non-Cumulative Preferred Stock, Series L, with a $10,000 liquidation preference per preferred share (equivalent to $25 per depositary share). Dividends, if declared by the board or a board committee, are non-cumulative and payable quarterly in arrears, and may be limited by regulatory and capital rules. Subject to required approvals, the preferred stock is redeemable at the issuer’s option on any dividend payment date on or after September 15, 2031, or within 90 days of a defined regulatory capital treatment event, at $10,000 per preferred share ($25 per depositary share) plus any declared and unpaid dividends. The company plans to apply to list the depositary shares on the NYSE under the symbol “MTBPrL” and expects to use net proceeds for general corporate purposes, which may include redemption of existing preferred stock.
M&T also provides preliminary, unaudited results for the quarter ended June 30, 2026. GAAP diluted earnings per common share were $5.32, up from $4.24 a year earlier, and GAAP net income was $818 million, compared with $716 million in the 2025 quarter and $664 million in the first quarter of 2026. The annualized GAAP return on average assets was 1.51% and on average common shareholders’ equity 12.30%. Net interest income was $1,792 million, supported by growth in average earning assets and broad-based increases in commercial, residential real estate and consumer loans.
The provision for credit losses in the second quarter of 2026 was $120 million, down from $140 million in the prior quarter and $125 million a year earlier. The allowance for loan losses was 1.52% of loans at June 30, 2026, and nonaccrual loans were $1.2 billion, below the $1.6 billion level at June 30, 2025. M&T repurchased $465 million of common stock in the quarter and estimates a CET1 capital ratio of 10.19% as of June 30, 2026. Total assets were $219.3 billion, deposits $168.9 billion, and total shareholders’ equity $27.9 billion at that date.
A shareholder associated with the issuer at One M&T Plaza submitted a Form 144-style notice to sell 2,000 shares of common stock through Fidelity Brokerage Services LLC, with an aggregate market value of 484000.00 and an approximate sale date of July 15, 2026 on the NYSE.
The shares to be sold were originally acquired via restricted stock vesting compensation grants in January 2019 of 819 and 1181 shares from the issuer. The notice also lists prior sales in the past three months of 2,000 and 23,358 shares valued at 440000.00 and 5267276.76, respectively. Shares outstanding for this class were 146445060; this is a baseline figure, not the amount being sold.
M&T Bank Corporation reported second quarter 2026 net income of $818 million, with diluted EPS of 5.32, up from 4.24 a year earlier and described as record earnings per share. Taxable-equivalent net interest income was $1.804 billion, 5% above 2Q25, as net interest margin held at 3.70% and average loans rose to $141.4 billion.
Noninterest income grew to $740 million, 8% higher than a year ago, supported by stronger trust income, trading gains and a larger distribution from the Bayview Lending Group investment. The efficiency ratio improved to 52.8%, and net operating return on tangible common equity reached 18.57%.
Credit quality metrics were stable, with the provision for credit losses at $120 million, a net charge-off ratio of 0.23% and nonaccrual loans of $1.208 billion, down 23% year over year. The allowance for loan losses was 1.52% of loans. Capital remained strong with an estimated CET1 ratio of 10.19% and tangible book value per share of $117.41. M&T repurchased 2.1 million common shares for $465 million and provided a 2026 outlook targeting taxable-equivalent net interest income of $7.2–$7.35 billion and a CET1 range of 10.0–10.5%.
M&T Bank Corporation senior executive vice president Woodrow Tracy S. reported an option exercise and share sale in company stock. On July 1, 2026, he exercised options to acquire a total of 881 shares of common stock at strike prices of $164.54 and $190.78 per share, then sold 881 shares in an open-market transaction at $242.00 per share.
The filing shows he now holds about 9,608 common shares directly after these transactions. The activity occurred automatically under a Rule 10b5-1 trading plan adopted on March 6, 2026, and the options exercised were granted under an equity incentive compensation plan maintained by M&T Bank Corporation.
M&T Bank Corp filed an initial Form 3 for director Jeremy M. Jacobs Jr. This filing identifies him as a member of the board of directors and brings him under insider reporting requirements. The available data do not show any reportable share or derivative holdings or any buy or sell transactions at this time.