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

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M&T Bank Corporation announced its results of operations for the quarter ended September 30, 2025. The company made the announcement on October 16, 2025 via a news release furnished as Exhibit 99.1.

M&T also posted an investor presentation to its website the same day, attached as Exhibit 99.2. The information, including Exhibits 99.1 and 99.2, is being furnished and shall not be deemed “filed” under the Exchange Act.

M&T Bank Corporation ha annunciato i propri risultati operativi per il trimestre chiuso al 30 settembre 2025. L'azienda ha reso noto l'annuncio il 16 ottobre 2025 tramite un comunicato stampa fornito come Allegato 99.1.

M&T ha inoltre pubblicato una presentazione per gli investitori sul proprio sito web nello stesso giorno, allegata come Allegato 99.2. Le informazioni, inclusi gli Allegati 99.1 e 99.2, sono fornite e non devono essere considerate come “depositate” ai sensi della Securities Exchange Act.

M&T Bank Corporation anunció sus resultados de operaciones para el trimestre terminado al 30 de septiembre de 2025. La compañía realizó el anuncio el 16 de octubre de 2025 mediante un comunicado de prensa presentado como Anexo 99.1.

Además, M&T publicó una presentación para inversionistas en su sitio web el mismo día, adjunta como Anexo 99.2. La información, incluyendo los Anexos 99.1 y 99.2, se está proporcionando y no debe entenderse como “presentada” bajo la Ley de Intercambio de Valores.

M&T Bank Corporation은 2025년 9월 30일 종료된 분기의 영업 실적을 발표했습니다. 회사는 2025년 10월 16일 Exhibit 99.1로 첨부된 보도자료를 통해 발표했습니다.

M&T는 같은 날 웹사이트에 투자자 프레젠테이션도 게시했으며, Exhibit 99.2로 첨부되어 있습니다. 이 정보(제99.1 및 제99.2 포함)는 제출되는 것으로 간주되지 않으며, Exchange Act에 따라 ‘제출된 것’으로 간주되지 않습니다.

M&T Bank Corporation a annoncé ses résultats d'exploitation pour le trimestre terminé le 30 septembre 2025. La société a publié l'annonce le 16 octobre 2025 par le biais d'un communiqué de presse fourni en tant que Pièce 99.1.

M&T a également publié une présentation aux investisseurs sur son site Web le même jour, jointe en tant que Pièce 99.2. Les informations, y compris les Pièces 99.1 et 99.2, sont fournies et ne doivent pas être considérées comme « déposées » en vertu de la Securities Exchange Act.

M&T Bank Corporation hat seine Betriebsergebnisse für das Quartal zum 30. September 2025 bekannt gegeben. Das Unternehmen kündigte dies am 16. Oktober 2025 in einer Pressemitteilung an, die als Anhang 99.1 beigefügt ist.

M&T hat am selben Tag auch eine Investorenpräsentation auf seiner Website veröffentlicht, beigefügt als Anhang 99.2. Die Informationen, einschließlich der Anhänge 99.1 und 99.2, werden bereitgestellt und dürfen gemäß dem Exchange Act nicht als „eingereicht“ gelten.

أعلنت شركة M&T Bank Corporation عن نتائج عملياتها للربع المنتهي في 30 سبتمبر 2025. أدت الشركة الإعلان في 16 أكتوبر 2025 من خلال بيان صحفي مقدم كمرفق 99.1.

كما نشرت M&T عرضًا تقديميًا للمستثمرين على موقعها نفسه في اليوم نفسه، مرفَقًا كمرفق 99.2. المعلومات، بما في ذلك المرفقان 99.1 و99.2، تُقدم ولا يجوز اعتبارها «مقدمة» بموجب قانون التداول.

M&T Bank Corporation宣布截至2025年9月30日季度的经营业绩。公司于2025年10月16日通过作为展品99.1的新闻稿发布该公告。

同日,M&T还在其网站上发布了投资者介绍,作为展品99.2附上。包括展品99.1和99.2在内的信息正在被提供,并不得被视为根据《证券交易法》提交。

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M&T Bank Corporation ha annunciato i propri risultati operativi per il trimestre chiuso al 30 settembre 2025. L'azienda ha reso noto l'annuncio il 16 ottobre 2025 tramite un comunicato stampa fornito come Allegato 99.1.

M&T ha inoltre pubblicato una presentazione per gli investitori sul proprio sito web nello stesso giorno, allegata come Allegato 99.2. Le informazioni, inclusi gli Allegati 99.1 e 99.2, sono fornite e non devono essere considerate come “depositate” ai sensi della Securities Exchange Act.

M&T Bank Corporation anunció sus resultados de operaciones para el trimestre terminado al 30 de septiembre de 2025. La compañía realizó el anuncio el 16 de octubre de 2025 mediante un comunicado de prensa presentado como Anexo 99.1.

Además, M&T publicó una presentación para inversionistas en su sitio web el mismo día, adjunta como Anexo 99.2. La información, incluyendo los Anexos 99.1 y 99.2, se está proporcionando y no debe entenderse como “presentada” bajo la Ley de Intercambio de Valores.

M&T Bank Corporation은 2025년 9월 30일 종료된 분기의 영업 실적을 발표했습니다. 회사는 2025년 10월 16일 Exhibit 99.1로 첨부된 보도자료를 통해 발표했습니다.

M&T는 같은 날 웹사이트에 투자자 프레젠테이션도 게시했으며, Exhibit 99.2로 첨부되어 있습니다. 이 정보(제99.1 및 제99.2 포함)는 제출되는 것으로 간주되지 않으며, Exchange Act에 따라 ‘제출된 것’으로 간주되지 않습니다.

M&T Bank Corporation a annoncé ses résultats d'exploitation pour le trimestre terminé le 30 septembre 2025. La société a publié l'annonce le 16 octobre 2025 par le biais d'un communiqué de presse fourni en tant que Pièce 99.1.

M&T a également publié une présentation aux investisseurs sur son site Web le même jour, jointe en tant que Pièce 99.2. Les informations, y compris les Pièces 99.1 et 99.2, sont fournies et ne doivent pas être considérées comme « déposées » en vertu de la Securities Exchange Act.

M&T Bank Corporation hat seine Betriebsergebnisse für das Quartal zum 30. September 2025 bekannt gegeben. Das Unternehmen kündigte dies am 16. Oktober 2025 in einer Pressemitteilung an, die als Anhang 99.1 beigefügt ist.

M&T hat am selben Tag auch eine Investorenpräsentation auf seiner Website veröffentlicht, beigefügt als Anhang 99.2. Die Informationen, einschließlich der Anhänge 99.1 und 99.2, werden bereitgestellt und dürfen gemäß dem Exchange Act nicht als „eingereicht“ gelten.

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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 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 valueMTBNew York Stock Exchange
Perpetual Fixed-to-Floating Rate
Non-Cumulative Preferred Stock, Series H
MTBPrHNew York Stock Exchange
Perpetual Fixed Rate Non-Cumulative
Preferred Stock, Series J
MTBPrJNew 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 October 16, 2025, M&T Bank Corporation (“M&T”) announced its results of operations for the quarter ended September 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 October 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 October 16, 2025
99.2
M&T Bank Corporation presentation dated October 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:October 16, 2025
By:
/s/ Daryl N. Bible
Daryl N. Bible
Senior Executive Vice President
and Chief Financial Officer


FAQ

What did MTB announce on October 16, 2025?

M&T Bank Corporation announced its results of operations for the quarter ended September 30, 2025 via a furnished news release (Exhibit 99.1).

Which exhibits accompany MTB’s announcement?

Exhibit 99.1 is the news release dated October 16, 2025, and Exhibit 99.2 is the investor presentation dated October 16, 2025.

Where can I find MTB’s investor presentation?

It is attached as Exhibit 99.2 and available on the Investor Relations page at ir.mtb.com/events-presentations.

Does the furnished information count as filed under the Exchange Act?

No. The information, including Exhibits 99.1 and 99.2, is being furnished and shall not be deemed “filed.”

What period do the announced results cover for MTB (MTB)?

They cover the quarter ended September 30, 2025.

Who signed the report for MTB?

Daryl N. Bible, Senior Executive Vice President and Chief Financial Officer, signed the report.
M&T Bank US

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