美国制商银行M&T Bank（MTB）2025年第四季度及全年业绩报告「NYSE」（英文版）（18页）.pdf

1、News Release One M&T Plaza,Buffalo,NY 14203January 16,2026M&T Bank Corporation(NYSE:MTB)announces fourth quarter and full-year 2025 results M&T Bank Corporation(M&T or the Company)reports quarterly net income of$759 million or$4.67 of diluted earnings per common share and full-year net income of$2.8

2、5 billion or$17.00 of diluted earnings per common share.(Dollars in millions,except per share data)4Q253Q254Q2420252024Earnings HighlightsNet interest income$1,779$1,761$1,728$6,948$6,852 Taxable-equivalent adjustment11 12 12 44 50 Net interest income-taxable-equivalent1,790 1,773 1,740 6,992 6,902

3、Provision for credit losses125 125 140 505 610 Noninterest income696 752 657 2,742 2,427 Noninterest expense1,379 1,363 1,363 5,493 5,359 Net income759 792 681 2,851 2,588 Net income available to common shareholders-diluted718 754 644 2,699 2,449 Diluted earnings per common share4.67 4.82 3.86 17.00

4、 14.64 Return on average assets-annualized 1.41%1.49%1.28%1.35%1.23%Return on average common shareholders equity-annualized 10.87 11.45 9.75 10.27 9.54 Average Balance SheetTotal assets$212,891$211,053$211,853$210,645$211,220 Interest-bearing deposits at banks17,964 17,739 23,602 18,767 27,244 Inves

5、tment securities36,705 36,559 33,679 35,778 30,755 Loans137,600 136,527 135,723 136,103 134,717 Deposits165,057 162,706 164,639 163,107 163,423 Borrowings14,619 15,633 14,228 14,671 15,523 Selected Ratios(Amounts expressed as a percent,except per share data)Net interest margin 3.69%3.68%3.58%3.67%3.

6、58%Efficiency ratio(1)55.1 53.6 56.8 56.0 56.9 Net charge-offs to average total loans-annualized.54 .42 .47 .41 .41 Allowance for loan losses to total loans 1.53 1.58 1.61 1.53 1.61 Nonaccrual loans to total loans.90 1.10 1.25 .90 1.25 Common equity Tier 1(CET1)capital ratio(2)10.84 10.99 11.68 10.8