Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 84

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 1
Chunk 84
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3 4.0 5.3 Home price index growth rate 4.4 4.1 8.7 

(Dollars in millions)Impact to Modeled Credit Losses Increase (Decrease)Potential downside economic scenario$233 Potential upside economic scenario(110)

These examples are only a few of the numerous possible economic scenarios that could be utilized in assessing the sensitivity of expected credit losses. The estimated impacts on credit losses in such scenarios pertain only to modeled credit losses and do not include consideration of other factors the Company may evaluate when determining its allowance for loan losses. As a result, it is possible that the Company may, at another point in time, reach different conclusions regarding credit loss estimates. The Company’s process for determining the allowance for loan losses undergoes quarterly and periodic evaluations by independent risk management personnel, which among many other considerations, evaluate the reasonableness of management’s methodology and significant assumptions. 

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Management has assessed that the allowance for loan losses at September 30, 2025 appropriately reflected expected credit losses in the portfolio as of that date. A summary of the Company's allowance for loan losses by loan type and its reserve for unfunded credit commitments is presented in the following table.

ALLOWANCE FOR LOAN LOSSES AND RESERVE FOR UNFUNDED CREDIT COMMITMENTS

(Dollars in millions)September 30, 2025June 30, 2025December 31, 2024Allowance for loan losses:Commercial and industrial$803 $793 $769 Real estate - commercial (a)476 544 599 Real estate - residential 107 110 108 Consumer775 750 708 Total$2,161 $2,197 $2,184 Allowance for loan losses as a percent of total loans1.58 %1.61 %1.61 %Allowance for loan losses as a percent of total nonaccrual loans (b)143 140 129 Reserve for unfunded credit commitments (c)$95 $80 $60 

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(a)Included in the allowance for loan losses were reserves allocated as a percent of commercial real estate loans secured by office properties of 4.65% at September 30, 2025, 4.54% at June 30, 2025 and 4.70% at December 31, 2024.

(b)Given the Company’s general position as