Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 14

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 1
Chunk 14
---
$— $15 $— $47 $— $— $62 Residential builder and developer:Pass$3 $— $3 $9 $— $5 $51 $— $71 Criticized accrual— — — 21 — — — — 21 Criticized nonaccrual— — — — — — — — — Total residential builder and developer$3 $— $3 $30 $— $5 $51 $— $92 Gross charge-offs three months ended September 30, 2025$— $— $— $— $— $— $— $— $— Gross charge-offs nine months ended September 30, 2025$— $— $— $— $— $— $— $— $— Other commercial 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 

- 15 -

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