Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 203

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 8
Chunk 203
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 loan charge-offs by loan type and as an annualized percent of such average loans is presented in the table that follows. 

NET CHARGE-OFF (RECOVERY) INFORMATION

Three Months EndedSeptember 30, 2025June 30, 2025(Dollars in millions)Net Charge-Offs (Recoveries)Annualized Percent of Average LoansNet Charge-Offs (Recoveries)Annualized Percent of Average LoansCommercial and industrial $72 .46 %$38 .24 %Real estate:Commercial17 .33 21 .41 Residential builder and developer— — — — Other commercial construction4 .39 2 .19 Residential— — — .02 Consumer:Home equity lines and loans— — (1)-.11 Recreational finance24 .69 21 .62 Automobile6 .46 3 .26 Other23 4.07 24 4.34 Total$146 .42 %$108 .32 %

Nine Months EndedSeptember 30, 2025September 30, 2024(Dollars in millions)Net Charge-Offs (Recoveries)Annualized Percent of Average LoansNet Charge-Offs (Recoveries)Annualized Percent of Average LoansCommercial and industrial $139 .30 %$193 .44 %Real estate:Commercial57 .38 54 .30 Residential builder and developer— — — — Other commercial construction6 .19 11 .24 Residential— — — — Consumer:Home equity lines and loans(1)-.04 — — Recreational finance76 .76 58 .70 Automobile16 .41 10 .33 Other75 4.53 69 4.45 Total$368 .36 %$395 .39 %

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Asset quality 

A summary of nonperforming assets and certain past due loan data and credit quality ratios is presented in the accompanying table. 

NONPERFORMING ASSET AND PAST DUE LOAN DATA

(Dollars in millions)September 30, 2025June 30, 2025December 31, 2024September 30, 2024Nonaccrual loans$1,