[8-K] M&T BANK CORP Reports Material Event

Rhea-AI Filing Summary

M&T Bank Corporation furnished an investor presentation under Regulation FD. The presentation, dated October 28, 2025, is attached as Exhibit 99.1 and is available on the company’s Investor Relations site at ir.mtb.com/events-presentations.

The information in this report, including Exhibit 99.1, is expressly stated as not deemed “filed” for purposes of Section 18 of the Exchange Act and is not incorporated by reference into other filings unless specifically referenced. The filing also includes Exhibit 104 (Cover Page Inline XBRL).

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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): October 28, 2025

___________________________________

M&T BANK CORPORATION

(Exact name of registrant as specified in its charter)

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			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 7.01. Regulation FD Disclosure.

On October 28, 2025, M&T Bank Corporation (“M&T”) posted an investor presentation to its website. A copy of the presentation is attached as Exhibit 99.1 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 this Form 8-K, including Exhibit 99.1 attached hereto, 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 9.01 - Financial Statements and Exhibits

(d) The following exhibits are being filed herewith:

Exhibit No.						Exhibit Description
99.1						M&T Bank Corporation presentation dated October 28, 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:

October 28, 2025

By:

/s/ Daryl N. Bible

Daryl N. Bible

Senior Executive Vice President and Chief Financial Officer

FAQ

What did MTB disclose in its Oct 28, 2025 8-K?

M&T Bank Corporation furnished an investor presentation under Regulation FD as Exhibit 99.1 and posted it on its Investor Relations website.

Where can I access M&T Bank’s investor presentation?

It is posted on the Investor Relations page at ir.mtb.com/events-presentations and attached as Exhibit 99.1.

Is the investor presentation considered “filed” under the Exchange Act?

No. The report states the information, including Exhibit 99.1, is not deemed “filed” under Section 18 and is not incorporated by reference unless expressly stated.

Which exhibits are included with this 8-K?

Exhibit 99.1 (M&T Bank Corporation presentation dated October 28, 2025) and Exhibit 104 (Cover Page Inline XBRL file).

What securities of MTB are listed on the NYSE?

Common Stock (MTB), Perpetual Fixed-to-Floating Rate Non-Cumulative Preferred Stock, Series H (MTBPrH), and Perpetual Fixed Rate Non-Cumulative Preferred Stock, Series J (MTBPrJ).

Who signed the 8-K for M&T Bank Corporation?

It was signed by Daryl N. Bible, Senior Executive Vice President and Chief Financial Officer, on October 28, 2025.