[8-K] M&T Bank Corp. Reports Material Event

Rhea-AI Filing Summary

M&T Bank Corporation (NYSE: MTB) filed a Form 8-K dated 16 Jul 2025 to furnish—not file—two information items:

• Item 2.02 – Results of Operations and Financial Condition. The company issued a news release (Exhibit 99.1) announcing unaudited results for the quarter ended 30 Jun 2025.
• Item 7.01 – Regulation FD Disclosure. An accompanying investor presentation (Exhibit 99.2) was posted to the Investor Relations section of MTB’s website and may be used in future discussions with analysts and investors.

No quantitative financial data are included in the filing itself; investors must review Exhibits 99.1 and 99.2 for earnings details. Both exhibits are expressly deemed furnished, limiting Exchange Act liability and preventing automatic incorporation by reference into other SEC filings. The document also restates the company’s registered securities (common and two preferred series) and provides standard emerging-growth-company and safe-harbor checkboxes.

Overall, the 8-K signals that Q2 earnings information is available externally but contains no financial metrics within the body of the filing.

Insights

Financial Analyst

TL;DR: Neutral procedural 8-K; directs investors to separate exhibits for Q2 results—no metrics, limited immediate impact.

The filing merely furnishes Items 2.02 and 7.01, pointing to a press release and slide deck hosted elsewhere. Because the numerical results are absent, the market must rely on the external documents for valuation adjustments. The designation as “furnished” reduces legal liability and emphasizes that the core disclosure is voluntary. While quarterly results can be market-moving, this 8-K itself carries minimal standalone information and thus little directional impact until investors read Exhibit 99.1. Rating reflects that neutrality.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

___________________________________

FORM 8-K

___________________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (date of earliest event reported): July 16, 2025

___________________________________

M&T BANK CORPORATION

(Exact name of registrant as specified in its charter)

___________________________________

			New York
(State or other jurisdiction of incorporation)
1-9861 (Commission File Number)						16-0968385 (I.R.S. Employer Identification Number)
One M&T Plaza, Buffalo, New York						14203
(Address of principal executive offices)						(Zip Code)
Registrant's telephone number, including area code: (716) 635-4000

___________________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below):

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of Each Class			Trading Symbols			Name of Each Exchange on Which Registered
Common Stock, $.50 par value			MTB			New York Stock Exchange
Perpetual Fixed-to-Floating Rate Non-Cumulative Preferred Stock, Series H			MTBPrH			New York Stock Exchange
Perpetual Fixed Rate Non-Cumulative Preferred Stock, Series J			MTBPrJ			New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company    ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02. Results of Operations and Financial Condition

On July 16, 2025, M&T Bank Corporation (“M&T”) announced its results of operations for the quarter ended June 30, 2025. The public announcement was made by means of a news release, the text of which is set forth in Exhibit 99.1 hereto.

The information in Item 2.02 of this Form 8-K, including Exhibit 99.1 attached hereto, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”), or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of M&T under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

Item 7.01. Regulation FD Disclosure.

On July 16, 2025, M&T posted an investor presentation to its website. A copy of the presentation is attached as Exhibit 99.2 hereto. From time to time, M&T may use this presentation in conversations with investors and analysts. The presentation can be found on the Investor Relations page of M&T’s website at ir.mtb.com/events-presentations.

The information in Item 7.01 of this Form 8-K, including Exhibit 99.2 attached hereto, is being furnished and shall not be deemed to be “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of such section, nor shall it be deemed incorporated by reference in any filing of M&T under the Securities Act of 1933 or the Exchange Act, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference in such filing.

Item 9.01 - Financial Statements and Exhibits

(d) The following exhibits are being filed herewith:

Exhibit No.						Exhibit Description
99.1						News Release dated July 16, 2025
99.2						M&T Bank Corporation presentation dated July 16, 2025
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

M&T BANK CORPORATION

Date:

July 16, 2025

By:

/s/ Daryl N. Bible

Daryl N. Bible

Senior Executive Vice President and Chief Financial Officer

FAQ

What did M&T Bank (MTB) announce in its July 16 2025 Form 8-K?

The 8-K furnishes a press release with Q2 2025 results (Ex. 99.1) and an investor presentation (Ex. 99.2).

Does the Form 8-K contain MTB’s actual Q2 2025 financial figures?

No. The filing itself has no numerical data; figures are in Exhibit 99.1.

Where can investors find M&T Bank’s Q2 2025 earnings presentation?

The slide deck (Ex. 99.2) is available on MTB’s Investor Relations website at ir.mtb.com/events-presentations.

Are the furnished exhibits incorporated into other MTB SEC filings?

Not automatically; the company states the exhibits are furnished, not filed, unless later incorporated by specific reference.

Which securities of M&T Bank are listed on the NYSE?

Common Stock (MTB), Preferred Series H (MTBPrH), and Preferred Series J (MTBPrJ).