Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 153

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 8
Chunk 153
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 Company is notified of such filings. When evaluating individual home equity loans and lines of credit for charge-off and for purposes of estimating losses in determining the allowance for loan losses, the Company gives consideration to the required repayment of any first lien positions related to collateral property. Other consumer loans are generally charged-off when the loans are 91 to 180 days past due, depending on whether the loan is collateralized and the status of repossession activities with respect to such collateral.Changes in the amount of the allowance for loan losses reflect the outcome of the procedures described herein, including the impact of changes in macroeconomic forecasts as compared with previous forecasts, as well as the impact of portfolio concentrations, imprecision in economic forecasts, geopolitical conditions and other risk factors that might influence the loss estimation process.

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4. Loans and allowance for loan losses, continued

Information with respect to loans that were considered nonaccrual at the beginning and end of the reporting period and the interest income recognized on such loans for the three-month and nine-month periods ended September 30, 2025 and 2024 follows: Amortized Cost with AllowanceAmortized Cost without AllowanceTotalAmortized CostInterest Income Recognized(Dollars in millions)September 30, 2025June 30, 2025January 1, 2025Three MonthsEndedSeptember 30,2025Nine MonthsEndedSeptember 30,2025Commercial and industrial$652 $108 $760 $787 $696 $8 $20 Real estate:       Commercial217 144 361 376 468 11 28 Residential builder and developer— — — 1 2 — — Other commercial construction13 8 21 23 66 2 2 Residential105 145 250 265 279 4 11 Consumer:       Home equity lines and loans37 40 77 75 81 2 6 Recreational finance20 9 29 25 31 — — Automobile8 2 10 9 12 — — Other4 — 4 12 55 — — Total$1,056 $456 $1,512 $1,573 $1,690 $27 $67 September 30, 2024June 30, 2024January 1, 2024