MTB M&T Bank
Q3 2025 10-Q
M&T Bank (MTB) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Oct 27, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
AI Filing AnalysisQ3 2025 10-Q
Management Discussion & Analysis
- • Revenue $3.82B (net interest income $1.773B + other income $2.046B), up $276M YoY driven by mortgage banking, trust, and deposit service charges
- • Net income $2.092B, up $185M YoY; operating margin ~54.7% (net income $2.092B / revenue $3.819B) for Q3 2025; annualized ROAE 11.45% vs 10.07% YoY; net interest margin 3.68% vs 3.66% YoY
Risk Factors
- • No new or changed risk factors since 2024 10-K
- • Credit risk from potential borrower defaults in economic downturns remains critical
Quarterly Financial SummaryXBRL
Revenue
$423M
▲ +7.4% YoY▲ +1.4% QoQ
Net Income
$792M
▲ +9.8% YoY▲ +10.6% QoQ
Net Margin
187.2%
▲ +424bp YoY▲ +1553bp QoQ
ROE
2.8%
Total Assets
$211.3B
EPS (Diluted)
$4.79
▲ +19.2% YoY▲ +13.2% QoQ
Operating Cash Flow
$1.0B
▲ +3675.0% YoY▲ +18.6% QoQ
Source: XBRL data from M&T Bank Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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