Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 27

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 1
Chunk 27
---
 and 2024.Three Months Ended September 30,Nine Months Ended September 30,(In years)2025202420252024Increase to weighted-average remaining term Commercial and industrial0.31.30.71.0Real estate:Commercial (a)0.70.60.80.8Residential9.99.110.19.9__________________________________________________________________________________(a)Inclusive of residential builder and developer loans and other commercial construction loans.

- 23 -

4. Loans and allowance for loan losses, continued

Modified loans to borrowers experiencing financial difficulty are subject to the allowance for loan losses methodology described herein, including the use of models to inform credit loss estimates and, to the extent larger balance commercial and industrial loans and commercial real estate loans are in nonaccrual status, a loan-by-loan analysis of expected credit losses on those individual loans. The following table summarizes the payment status, at September 30, 2025 and 2024, of loans that were modified during the twelve-month periods ended September 30, 2025 and 2024.Payment Status (Amortized Cost) (a)(Dollars in millions)Current30-89 Days Past DuePast Due 90 Days or More (b)TotalTwelve Months Ended September 30, 2025Commercial and industrial$137 $60 $98 $295 Real estate:Commercial328 118 1 447 Residential builder and developer— — — — Other commercial construction337 — — 337 Residential (c)76 43 44 163 Consumer:Home equity lines and loans1 — — 1 Recreational finance1 — — 1 Automobile1 — — 1 Other10 — — 10 Total$891 $221 $143 $1,255 Twelve Months Ended September 30, 2024Commercial and industrial$308 $5 $4 $317 Real estate:Commercial422 84 9 515 Residential builder and developer13 1 — 14 Other commercial construction141 74 — 215 Residential (c)99 47 37 183 Consumer:Home equity lines and loans2 — — 2 Recreational finance1 — — 1 Automobile— — — — Other— — — — Total$