Company: MTB-PJ
Filing Date: 2025-08-04
Form Type: 10-Q
Source: 0000036270-25-000011
Chunk: 207

Company: M&T BANK CORP
Filing Date: 2025-08-04
Form: 10-Q
Item: Part I, Item 8
Chunk 207
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ollars in millions)OutstandingCriticized AccrualCriticized NonaccrualTotal CriticizedOutstandingCriticized AccrualCriticized NonaccrualTotal CriticizedPermanent finance by property type:Apartments/Multifamily$6,082 $600 $73 $673 $5,628 $935 $114 $1,049 Retail/Service4,435 745 81 826 4,747 673 80 753 Office3,720 807 102 909 4,170 1,125 117 1,242 Industrial/Warehouse2,098 138 11 149 1,926 143 13 156 Hotel1,889 313 87 400 1,984 317 118 435 Health services1,669 302 21 323 2,038 560 25 585 Other262 30 1 31 287 30 1 31 Total permanent20,155 2,935 376 3,311 20,780 3,783 468 4,251 Construction/Development4,412 1,219 24 1,243 5,984 1,715 68 1,783 Total$24,567 $4,154 $400 $4,554 $26,764 $5,498 $536 $6,034 

Loans to the health services and the transportation, communications and utilities industries contributed to the $75 million decrease in commercial and industrial criticized loans from December 31, 2024 to June 30, 2025, partially offset by higher criticized loans to the financial and insurance industry. The $1.5 billion decline in commercial real estate criticized loans from December 31, 2024 to June 30, 2025 spanned most property types and also reflected lower criticized construction and development loans. At June 30, 2025, approximately 96% of criticized accrual loans and 55% of criticized nonaccrual loans were considered current with respect to their payment status. 

For loans secured by residential real estate, the Company’s loss identification and estimation techniques make reference to loan performance and house price data in specific areas of the country where collateral securing those loans is located. For residential real estate-related loans, including home equity loans and lines of credit, the