Company: MTB-PJ
Filing Date: 2025-10-30
Form Type: 424B5
Source: 0001193125-25-257002
Chunk: 67

Company: M&T BANK CORP
Filing Date: 2025-10-30
Form: 424B5
Chunk 67
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 Information” section of this prospectus for information about us, including our financial statements. This prospectus may not be used to sell securities unless accompanied by the applicable
prospectus supplement and a pricing supplement, if any.

We will provide the specific terms of these securities in supplements to this
prospectus. Our common stock is traded on the New York Stock Exchange under the symbol “MTB.” We will provide information in the prospectus supplement for the trading market, if any, for any other securities we or selling securityholders
may offer.

Investing in any of our securities involves certain risks. You should carefully consider the risks relating to investing in our securities and each of the other risk factors described under the heading “Risk Factors” on page 5 of this prospectus and in the applicable prospectus supplement and in the documents incorporated herein by reference before buying any of our securities.

M&T Securities, Inc. is a member of the Financial
Industry Regulatory Authority, Inc. (“FINRA”) and may participate in distributions of the securities referred to above. Accordingly, the participation of such entity in the offerings of such securities will conform to the requirements
addressing conflicts of interest when distributing the securities of an affiliate set forth in FINRA Rule 5121.

These securities are not
savings accounts, deposits or other obligations of any bank and are not guaranteed by Manufacturers and Traders Trust Company, Wilmington Trust, National Association or any other bank. These securities are not insured or guaranteed by the Federal
Deposit Insurance Corporation or any other governmental agency.

Neither the Securities and Exchange Commission nor any state securities commission has approved or disapproved of these securities or determined that this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

The date of this prospectus is September 22, 2023.

TABLE OF CONTENTS

| ABOUT THIS PROSPECTUS               |     | 1 |
| ABOUT M&T BANK CORPORATION          |     | 1 |
| FORWARD-LOOKING STATEMENTS          |     | 2 |
| WHERE YOU CAN FIND MORE INFORMATION |     | 3 |
| RISK FACTORS                        |     | 5 |
| USE OF PROCEEDS                     |     | 5 |
| VALIDITY OF SECURITIES              |     | 5 |
| EXPERTS                             |     | 5 |

You should rely only on the information we have provided or incorporated by reference in this prospectus. We have not authorized any person to provide you with additional or different information. You