Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 144

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 8
Chunk 144
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 construction:Pass$138 $205 $1,265 $652 $78 $339 $38 $— $2,715 Criticized accrual— 6 153 629 143 219 6 — 1,156 Criticized nonaccrual— — — 10 4 7 — — 21 Total other commercial construction$138 $211 $1,418 $1,291 $225 $565 $44 $— $3,892 Gross charge-offs three months ended September 30, 2025$— $— $— $4 $— $— $— $— $4 Gross charge-offs nine months ended September 30, 2025$— $— $— $7 $— $— $— $— $7 

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4. Loans and allowance for loan losses, continued

The Company considers repayment performance a significant indicator of credit quality for its residential real estate loan and consumer loan portfolios. A summary of loans in accrual and nonaccrual status at September 30, 2025 for the various classes of the Company’s residential real estate loans and consumer loans and gross charge-offs for those types of loans for the three-month and nine-month periods ended September 30, 2025 by origination year follows:  Term Loans by Origination YearRevolvingLoansRevolving Loans Converted to TermLoans Total(Dollars in millions)20252024202320222021PriorResidential real estate:Current$2,985 $1,927 $1,232 $4,206 $3,517 $9,409 $119 $— $23,395 30-89 days past due4 8 17 107 76 403 — — 615 Accruing loans past due 90 days or more— 4 13 55 80 250 — — 402 Nonaccrual— 2 5 37 18 187 1 — 250 Total residential real estate$2,989 $1,941 $1,267 $4,405 $3,691 $10,249 $120 $— $24,662