M&T Bank (NYSE: MTB) reports Q4 and 2025 results, adds presentation

Rhea-AI Filing Summary

M&T Bank Corporation filed a report to share that it has released its financial results for the quarter and full year ended December 31, 2025. The company made these results public through a news release, which is included as Exhibit 99.1.

M&T also posted an updated investor presentation on its website and attached a copy as Exhibit 99.2. Both the earnings release and the presentation are described as being furnished rather than filed, meaning they are not automatically incorporated into other securities filings unless specifically referenced.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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): January 16, 2026

___________________________________

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
Perpetual Fixed Rate Non-Cumulative Preferred Stock, Series K			MTBPrK			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 January 16, 2026, M&T Bank Corporation (“M&T”) announced its results of operations for the quarter ended and year ended December 31, 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 January 16, 2026, 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 January 16, 2026
99.2						M&T Bank Corporation presentation dated January 16, 2026
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:

January 16, 2026

By:

/s/ Daryl N. Bible

Daryl N. Bible

Senior Executive Vice President and Chief Financial Officer

FAQ

What did M&T Bank Corporation (MTB) disclose in this 8-K filing?

M&T Bank Corporation disclosed that it announced its results of operations for the quarter and year ended December 31, 2025 via a news release and shared an investor presentation with the public.

How did M&T Bank (MTB) release its Q4 and full-year 2025 results?

M&T released its quarterly and full-year 2025 results through a news release dated January 16, 2026, which is attached as Exhibit 99.1.

Where can investors find M&T Bank’s latest investor presentation?

Investors can find the presentation on the Investor Relations page of M&T’s website at ir.mtb.com/events-presentations, and it is also attached as Exhibit 99.2.

Are M&T Bank’s earnings release and presentation considered filed with the SEC?

The company states that the information in Items 2.02 and 7.01, including Exhibits 99.1 and 99.2, is being furnished and shall not be deemed filed or incorporated by reference unless expressly stated otherwise.

What exhibits are included with this M&T Bank (MTB) 8-K?

The filing includes a news release dated January 16, 2026 as Exhibit 99.1, an M&T Bank Corporation presentation dated January 16, 2026 as Exhibit 99.2, and a Cover Page Interactive Data File as Exhibit 104.

Who signed this M&T Bank 8-K on behalf of the company?

The report was signed on behalf of M&T Bank Corporation by Daryl N. Bible, Senior Executive Vice President and Chief Financial Officer.