美国制商银行M&T Bank（MTB）2026年第一季度业绩报告「NYSE」（英文版）（16页）.pdf

1、News Release One M&T Plaza,Buffalo,NY 14203April 15,2026M&T Bank Corporation(NYSE:MTB)announces first quarter 2026 results M&T Bank Corporation(M&T or the Company)reports quarterly net income of$664 million or$4.13 of diluted earnings per common share.(Dollars in millions,except per share data)1Q264

2、Q251Q25Earnings HighlightsNet interest income$1,752$1,779$1,695 Taxable-equivalent adjustment11 11 12 Net interest income-taxable-equivalent1,763 1,790 1,707 Provision for credit losses140 125 130 Noninterest income689 696 611 Noninterest expense1,438 1,379 1,415 Net income664 759 584 Net income ava

3、ilable to common shareholders-diluted620 718 547 Diluted earnings per common share4.13 4.67 3.32 Return on average assets-annualized 1.26%1.41%1.14%Return on average common shareholders equity-annualized 9.67 10.87 8.36 Average Balance SheetTotal assets$213,828$212,891$208,321 Interest-bearing depos

4、its at banks16,231 17,964 19,695 Investment securities37,845 36,705 34,480 Loans138,423 137,600 134,844 Deposits164,268 165,057 161,220 Borrowings16,759 14,619 14,154 Selected Ratios(Amounts expressed as a percent,except per share data)Net interest margin 3.71%3.69%3.66%Efficiency ratio(1)58.3 55.1

5、60.5 Net charge-offs to average total loans-annualized.31 .54 .34 Allowance for loan losses to total loans 1.53 1.53 1.63 Nonaccrual loans to total loans.89 .90 1.14 Common equity Tier 1(CET1)capital ratio(2)10.33 10.84 11.50 Common shareholders equity per share$173.82$173.49$163.62(1)A reconciliati

6、on of non-GAAP measures is included in the tables that accompany this release.(2)CET1 capital ratio at March 31,2026 is estimated.Financial HighlightsNet interest margin widened 2 basis points from the fourth quarter of 2025 to 3.71%in the recent quarter reflecting a decline in fundingcosts that out