M&T Bank (MTB) 10-K Summaries & Annual Filing History
Review M&T Bank Corporation (MTB) 10-K filings from 2023 through the latest annual report, including business, financial performance, risks, and liquidity.
Key takeaway
Year ended Dec 31, 2025 · FY2025 10-K
The filing reports a period with higher revenue and improved net income, supported by strong operating cash flow. The bank continues to focus on traditional lending and deposit activities.
Financial snapshot
Selected annual figures reported with the filing, shown separately from the narrative summary.
Annual revenue
$1.7B
Revenue reported for the fiscal year.
Operating income
n/a
Income from operations reported for the year.
Net income
$2.9B
Net income reported for the year.
Operating cash flow
$3B
Cash generated by operating activities.
Annual revenue trend
Reported annual revenue and its change from the preceding fiscal year.
| Period ended | Revenue | Year-over-year change |
|---|---|---|
| Dec 31, 2022 | $1.5B | -74.5% |
| Dec 31, 2023 | $1.5B | -2.7% |
| Dec 31, 2024 | $1.5B | +3.8% |
| Dec 31, 2025 | $1.7B | +7.5% |
Business overview
The company operates as a bank, with assets distributed across loans and securities. Its loan portfolio includes various maturities, and deposits are a key funding source. The filing details interest rate sensitivity and credit loss allowances.
Financial performance
Revenue for the period increased compared to the prior period, and net income was positive. Operating cash flow remained strong, reflecting core earnings generation.
Material risks
Material risks include potential credit losses from loan portfolios, liquidity risk, and changes in interest rates affecting net interest income. The filing discusses these factors in the Risk Factors and MD&A sections.
Liquidity and capital
The company discusses its capital position and allocation, emphasizing the maintenance of adequate capital levels to support operations and growth.
What to watch
Readers should monitor the trend in the provision for credit losses in the next filing, as it indicates changes in credit quality.