Company: MTB-PJ
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000036270-25-000011
Chunk: 140

Company: M&T BANK CORP
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 8
Chunk 140
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 were held in special purpose trusts to settle the obligations of certain asset-backed notes issued by those trusts which have been included in the Company's consolidated financial statements. Credit quality indicatorsThe Company utilizes a loan grading system to differentiate risk amongst its commercial and industrial loans and commercial real estate loans. The following table summarizes the loan grades applied at June 30, 2025 to the various classes of the Company’s commercial and industrial loans and commercial real estate loans and gross charge-offs for those types of loans for the three-month and six-month periods ended June 30, 2025 by origination year. Term Loans by Origination YearRevolvingLoansRevolving Loans Converted to TermLoansTotal(Dollars in millions)20252024202320222021PriorCommercial and industrial:Pass$4,712 $7,842 $5,186 $5,022 $2,719 $5,746 $26,527 $100 $57,854 Criticized accrual56 239 473 391 170 485 1,169 36 3,019 Criticized nonaccrual1 26 84 88 38 254 279 17 787 Total commercial and industrial$4,769 $8,107 $5,743 $5,501 $2,927 $6,485 $27,975 $153 $61,660 Gross charge-offs three months ended June 30, 2025$4 $5 $11 $4 $2 $4 $27 $— $57 Gross charge-offs six months ended June 30, 2025$4 $8 $19 $13 $4 $9 $50 $— $107 Real estate:Commercial:Pass$1,382 $383 $1,543 $1,510 $1,234 $10,332 $460 $— $16,844 Criticized accrual— 37 385 433 221 1,853 6 — 2,935 Criticized nonaccrual— — 1 49 20 306 — — 376 Total commercial real estate$1,382 $420 $1,929 $1,992 $1,475 $12,491