Who signed the M&T Bank 8-K related to the subordinated notes offering?

The report was signed on behalf of M&T Bank Corporation by Daryl N. Bible, who serves as Senior Executive Vice President and Chief Financial Officer. His signature confirms the company’s authorization of the disclosed subordinated notes transaction.

M&T Bank issues $500M subordinated notes

Q: What are the key terms of M&T Bank’s new subordinated notes?

The new securities are 5.295% Fixed Rate Reset Subordinated Notes, Series B with an aggregate principal amount of $500,000,000. They mature on April 18, 2036, providing long-term subordinated debt financing for M&T Bank Corporation.

Q: What legal documents did M&T Bank file in connection with the subordinated notes?

M&T Bank Corporation filed a legal opinion from Squire Patton Boggs (US) LLP as Exhibit 5.1 and a related consent as Exhibit 23.1. These documents address the validity of the subordinated notes and support their registration.

M&T Bank Corporation closed a public debt offering of $500,000,000 aggregate principal amount of its 5.295% Fixed Rate Reset Subordinated Notes, Series B, due April 18, 2036.

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

How Sentiment works How the balance works

Form Type

8-K

Rhea-AI Filing Summary

M&T Bank Corporation closed a public debt offering of $500,000,000 aggregate principal amount of its 5.295% Fixed Rate Reset Subordinated Notes, Series B, due April 18, 2036. The notes were issued under an effective Form S-3 shelf registration statement.

M&T filed the legal opinion and related consent from Squire Patton Boggs (US) LLP as exhibits, confirming the validity of the subordinated notes and supporting their registration under the Securities Act of 1933.

8-K Event Classification

2 items: 8.01, 9.01

2 items

Item 8.01 Other Events Other

Voluntary disclosure of events the company deems important to shareholders but not covered by other items.

Item 9.01 Financial Statements and Exhibits Exhibits

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

Key Figures

Subordinated notes offering size: $500,000,000 aggregate principal amount Coupon rate: 5.295% Maturity date: April 18, 2036

3 metrics

Subordinated notes offering size $500,000,000 aggregate principal amount 5.295% Fixed Rate Reset Subordinated Notes, Series B

Coupon rate 5.295% Fixed Rate Reset Subordinated Notes, Series B

Maturity date April 18, 2036 Subordinated Notes, Series B due date

Key Terms

Fixed Rate Reset Subordinated Notes, registration statement on Form S-3, Inline XBRL, subordinated notes

4 terms

Fixed Rate Reset Subordinated Notes financial

"5.295% Fixed Rate Reset Subordinated Notes, Series B, due April 18, 2036"

registration statement on Form S-3 regulatory

"registered under the Securities Act of 1933 ... by a registration statement on Form S-3"

A registration statement on Form S‑3 is a short, standardized filing a qualified public company uses to register new securities with regulators so they can be sold to investors; think of it as a pre-approved, reusable permission slip that speeds up future offerings. It matters to investors because it lets the company raise money more quickly and cheaply — which can fund growth or pay debt — but may also lead to share dilution or change in ownership, so it affects value and liquidity.

Inline XBRL technical

"The cover page from this on , formatted in Inline XBRL."

Inline XBRL is a file format for financial filings that embeds machine-readable data tags directly inside the human-readable report, so the same document can be read by people and parsed by software. For investors it makes extracting, comparing and verifying financial numbers faster and more reliable—like a grocery list where each item also has a barcode—reducing manual errors and speeding up analysis.

subordinated notes financial

"aggregate principal amount of its 5.295% Fixed Rate Reset Subordinated Notes, Series B"

Subordinated notes are loans companies issue that rank below other debts for repayment, meaning holders get paid only after higher-priority creditors if the issuer runs into trouble. Because they act like being farther back in line at a buffet, they usually offer higher interest to compensate for greater risk, so investors watch them for potential higher returns but also increased chance of loss and sensitivity to the issuer’s financial health.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

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

M&T Bank Corporation disclosed it closed a public offering of $500,000,000 in 5.295% Fixed Rate Reset Subordinated Notes, Series B due April 18, 2036. These notes were issued under an effective Form S-3 shelf registration statement.

What are the key terms of M&T Bank’s new subordinated notes?

The new securities are 5.295% Fixed Rate Reset Subordinated Notes, Series B with an aggregate principal amount of $500,000,000. They mature on April 18, 2036, providing long-term subordinated debt financing for M&T Bank Corporation.

Under which registration statement were M&T Bank’s subordinated notes issued?

The subordinated notes were registered under a shelf registration statement on Form S-3 (File No. 333-274646). This registration allows M&T Bank Corporation to offer and sell securities, including these subordinated notes, under the Securities Act of 1933.

What legal documents did M&T Bank file in connection with the subordinated notes?

M&T Bank Corporation filed a legal opinion from Squire Patton Boggs (US) LLP as Exhibit 5.1 and a related consent as Exhibit 23.1. These documents address the validity of the subordinated notes and support their registration.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 04/20/2026 - 04:16 PM EDT

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): April 20, 2026

M&T BANK CORPORATION

(Exact name of registrant as specified in its charter)

New York

(State or other jurisdiction

of incorporation)


1-9861		16-0968385
(Commission File Number)		(I.R.S. Employer Identification No.)

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

(NOT APPLICABLE)

(Former name or former address, if changed since last report)

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 Instruction 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 8.01.

Other Events.

On April 20, 2026, M&T Bank Corporation (“M&T”) closed the public offering of $500,000,000 aggregate principal amount of its 5.295% Fixed Rate Reset Subordinated Notes, Series B, due April 18, 2036 (the “Subordinated Notes”). The Subordinated Notes have been registered under the Securities Act of 1933, as amended, by a registration statement on Form S-3 (File No. 333-274646) filed by M&T with the Securities and Exchange Commission (the “Registration Statement”). The legal opinion of Squire Patton Boggs (US) LLP, as counsel to M&T, regarding the issuance and sale of the Subordinated Notes, is filed with this Current Report on Form 8-K and shall be incorporated by reference into the Registration Statement.

Item 9.01.

Financial Statements and Exhibits.

(d) Exhibits.


Exhibit No.		Description of Exhibit

5.1		Opinion of Squire Patton Boggs (US) LLP as to the validity of the Subordinated Notes.

23.1		Consent of Squire Patton Boggs (US) LLP (included in Exhibit 5.1).

104		The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.

SIGNATURES

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


	M&T Bank Corporation

Date: April 20, 2026

	By:	/s/ Daryl N. Bible
	Name:	Daryl N. Bible
	Title:	Senior Executive Vice President and Chief Financial Officer

Source: View Original Filing on SEC EDGAR

Filing Exhibits & Attachments

5 documents