Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 156

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 8
Chunk 156
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$190 $78 $2 $270 .44 %Real estate:Commercial420 1 4 425 1.90 Residential builder and developer13 — — 13 1.27 Other commercial construction139 — — 139 2.62 Residential128 12 6 146 .63 Consumer:Home equity lines and loans1 — 1 2 .04 Recreational finance1 — — 1 .01 Automobile— — — — — Other— — — — — Total$892 $91 $13 $996 .73 %__________________________________________________________________________________(a)Predominantly payment deferrals.(b)Predominantly term extensions combined with interest rate reductions.(c)Includes approximately $33 million and $117 million of loans guaranteed by government-related entities (predominantly first lien residential mortgage loans) for the three-month and nine-month periods ended September 30, 2024, respectively.(d)Excludes unfunded commitments to extend credit totaling $8 million and $43 million for the three-month and nine-month periods ended September 30, 2024, respectively.The following table summarizes the financial effects of the modifications on the weighted-average remaining term of modified loans for the three-month and nine-month periods ended September 30, 2025 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.

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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