Company: MTB-PJ
Filing Date: 2025-10-30
Form Type: 424B5
Source: 0001193125-25-257002
Chunk: 5

Company: M&T BANK CORP
Filing Date: 2025-10-30
Form: 424B5
Chunk 5
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| • |     | technological, implementation and cost/financial risks in large, multi-year contracts; |

| • |     | continued availability of financing; |

| • |     | financial resources in the amounts, at the times and on the terms required to support M&T and its 
 subsidiaries’ future businesses;                                                                  |

| • |     | material differences in the actual financial results of merger, acquisition, divestment and investment activities                  
 compared with M&T’s initial expectations, including the full realization of anticipated cost savings and revenue enhancements; and |

These are representative of the factors that could affect the outcome of the forward-looking statements. In addition, as noted, such statements could be affected by general industry and market conditions and growth rates, general economic and political conditions, either nationally or in the states in which M&T and its subsidiaries do business, and other factors. Forward-looking statements speak only as of the date they are made, and the Company assumes no duty and does not undertake to update forward-looking statements. S-iv

WHERE YOU CAN FIND ADDITIONAL INFORMATION

We are required to file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange
Commission (the “SEC”). All such reports and other information are available to the public through the SEC’s website http://www.sec.gov.

We also maintain a website where you can obtain information about us and Manufacturers and Traders Trust Company (“M&T Bank”).
Our website includes our annual, quarterly and current reports, together with any amendments to these reports, as well as certain other SEC filings, as soon as reasonably practicable after they are electronically filed with or furnished to the SEC.
Our website address ishttp://www.mtb.com. The information contained on our website is not part of this prospectus supplement.

We will provide you, free of charge, with a copy of any or all of the documents incorporated by reference herein upon request. Requests should
be directed to:

M&T Bank Corporation

One M&T Plaza, 2nd Floor

Buffalo, New York 14203

Attention:
Investor Relations

Telephone Number: (716) 842-5138

This prospectus supplement and the accompanying prospectus are part of a registration statement on
Form S-3 filed by us with the SEC under the Securities Act of 1933, as amended (the “Securities Act”). As permitted by the SEC, this prospectus supplement and the accompanying prospectus
do not contain all the information in the registration statement filed with the