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M&T Bank Corp. (MTB) plans to issue subordinated Medium-Term Notes, Series B, maturing in 2035. The securities are unsecured, rank junior to senior debt and will carry a fixed rate for five years, then reset to the 5-yr U.S. Treasury rate plus a spread; they are not callable until 2030. Proceeds will be used for general corporate purposes, including capital support for subsidiaries, share repurchases and potential acquisitions.
The supplement also discloses pre-liminary 2Q 25 results: diluted EPS rose to $4.24 (+14% YoY, +28% QoQ) and net income reached $716 m (+9% YoY, +23% QoQ). ROA and ROE improved to 1.37% and 10.39%, respectively. Provision for credit losses eased to $125 m (vs. $130 m in 1Q 25 and $150 m in 2Q 24) and net charge-offs fell to 0.32% of average loans. Non-accrual loans declined $0.4 bn YoY to $1.6 bn, reflecting lower commercial real-estate stress.
Capital & liquidity: Aggressive buybacks (6.1 m shares / $1.1 bn) reduced the CET1 ratio 52 bp to 10.98%. Total assets were $211.6 bn; deposits slipped sequentially to $164.5 bn. Tax-equivalent NII improved 1% QoQ but was down 1% YoY, indicating margin pressure. The filing contains customary risk, tax and distribution disclosures; settlement expected T+⍰ via DTC/Euroclear/Clearstream.
Form 144 filing – M&T Bank Corp. (MTB) discloses a proposed Rule 144 sale of 1,277 common shares through broker Edward Jones on or about 21 Jul 2025 via the NYSE. The shares carry an aggregate market value of $252,177.87, implying an average price near $197.50. They were earned as board compensation in nine tranches between Sep 2018 and Oct 2020. No securities have been sold in the past three months. With 160,516,041 shares outstanding, the planned sale equals roughly 0.0008 % of the float, indicating negligible dilution or market impact. The signer attests to possessing no undisclosed adverse information. The filing contains no earnings data, guidance, or additional corporate developments.