美国制商银行M&T Bank（MTB）2025年第三季度业绩报告「NYSE」（英文版）（18页）.pdf

1、News Release One M&T Plaza,Buffalo,NY 14203October 16,2025M&T Bank Corporation(NYSE:MTB)announces third quarter 2025 results M&T Bank Corporation(M&T or the Company)reports quarterly net income of$792 million or$4.82 of diluted earnings per common share.(Dollars in millions,except per share data)3Q2

2、52Q253Q24Earnings HighlightsNet interest income$1,761$1,713$1,726 Taxable-equivalent adjustment12 9 13 Net interest income-taxable-equivalent1,773 1,722 1,739 Provision for credit losses125 125 120 Noninterest income752 683 606 Noninterest expense1,363 1,336 1,303 Net income792 716 721 Net income av

3、ailable to common shareholders-diluted754 679 674 Diluted earnings per common share4.82 4.24 4.02 Return on average assets-annualized 1.49%1.37%1.37%Return on average common shareholders equity-annualized 11.45 10.39 10.26 Average Balance SheetTotal assets$211,053$210,261$209,581 Interest-bearing de

4、posits at banks17,739 19,698 25,491 Investment securities36,559 35,335 31,023 Loans136,527 135,407 134,751 Deposits162,706 163,406 161,505 Borrowings15,633 14,263 15,428 Selected Ratios(Amounts expressed as a percent,except per share data)Net interest margin 3.68%3.62%3.62%Efficiency ratio(1)53.6 55

5、.2 55.0 Net charge-offs to average total loans-annualized.42 .32 .35 Allowance for loan losses to total loans 1.58 1.61 1.62 Nonaccrual loans to total loans 1.10 1.16 1.42 Common equity Tier 1(CET1)capital ratio(2)10.99 10.99 11.54 Common shareholders equity per share$170.43$166.94$159.38(1)A reconc

6、iliation of non-GAAP measures is included in the tables that accompany this release.(2)CET1 capital ratio at September 30,2025 is estimated.Financial HighlightsTaxable-equivalent net interest income increased$51 million in the recent quarter as compared with the second quarter of 2025reflecting an a