M&T Bank (MTB) Q4 2025 Earnings Call Transcript

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Friday, January 16, 2026 astatine 8 a.m. ET

• Senior Executive Vice President and Chief Financial Officer — Daryl Bible

• Investor Relations Lead — Rajeev Ranjan

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Joining maine connected the telephone this greeting is M&T Bank Corporation's Senior Executive Vice President and CFO, Daryl Bible. Now I would similar to crook the telephone implicit to Daryl.

Daryl Bible: Thank you, Rajeev, and bully morning, everyone. I'm excited to stock our afloat twelvemonth 2025 results. M&T Bank Corporation has continued to deepen our beingness successful cardinal markets, grow entree successful caller communities, and physique innovative offerings that empower our customers and businesses alike. In the past 4th alone, we delivered connected our committedness to grow entree to banking successful Bridgeport, Connecticut's East End, opening our caller full-service Honey Locust branch, the community's archetypal caller slope subdivision successful decades. We partnered with the Baltimore Ravens and wide receiver Zay Flowers to motorboat our Financial Fitness Academy, giving young radical dynamic real-world tools to physique fiscal confidence.

We besides launched our caller Banking Made for Business suite of concern banking solutions tailored to enactment tiny and mid-sized businesses passim the maturation of their beingness cycle. These efforts bespeak our semipermanent committedness to creating economical opportunities and our intent to marque a quality successful people's lives. Turning to descent four, we proceed to garner designation for our businesses and our people, including those who pb the engagement with you, our investors and analysts. Now let's crook to slides six and seven. Before getting into the details of the 4th quarter, I privation to intermission and bespeak connected immoderate of the highlights for 2025.

The advancement we made against our 2025 priorities and related endeavor initiatives volition let america to turn and standard successful the coming years. I look guardant to executing against our updated priorities successful 2026. Our absorption connected the fundamentals drove our continued occurrence successful 2025. In 2025, M&T Bank Corporation realized accordant and continued maturation portion besides remaining disciplined and return-focused. We earned grounds nett income of $2.85 cardinal and grounds EPS of $17 portion besides maintaining our apical quartile instrumentality connected tangible assets of implicit 1.4%. We accrued our quarterly dividend by 11%, repurchased 9% of our outstanding shares, and grew tangible publication worth per stock by 7%.

We made large advancement connected improving our plus prime with nonaccruals decreasing 26% and the nonaccrual percent of full loans reaching 90 ground points, the lowest since 2007. We besides reduced criticized commercialized loans by 27% implicit the people of the year. We grew interest income by 13%, reaching a grounds of $2.7 billion, and accrued our interest premix arsenic a percent of gross from 26% to implicit 28%. Expenses stay good controlled. The ratio ratio improved from 56.9% to 56% portion making important endeavor investments that volition let M&T Bank Corporation to thrive successful the years to come. Turn to descent eight, which shows the results for the 4th quarter.