Company: MTB-PJ
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000036270-25-000024
Chunk: 142

Company: M&T BANK CORP
Filing Date: 2025-10-27
Form: 10-Q
Item: Part I, Item 8
Chunk 142
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1 billion of commercial and industrial loans, $13.4 billion of commercial real estate loans, $19.3 billion of one-to-four family residential real estate loans, $2.9 billion of home equity loans and lines of credit and $13.7 billion of other consumer loans were pledged to secure outstanding borrowings and available lines of credit from the FHLB and the FRB of New York. At December 31, 2024, approximately $20.7 billion of commercial and industrial loans, $14.6 billion of commercial real estate loans, $18.6 billion of one-to-four family residential real estate loans, $2.7 billion of home equity loans and lines of credit and $13.1 billion of other consumer loans were pledged to secure outstanding borrowings and available lines of credit from the FHLB and the FRB of New York. As further described in notes 5 and 12, loans totaling $2.3 billion and $1.5 billion at September 30, 2025 and December 31, 2024, respectively, 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 September 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 nine-month periods ended September 30, 2025 by origination year. Term Loans by Origination YearRevolvingLoansRevolving Loans Converted to TermLoansTotal(Dollars in millions)20252024202320222021PriorCommercial and industrial:Pass$6,980 $7,252 $4,626 $4,526 $2,445 $5,346 $26,722 $97 $57,994 Criticized accrual115 272 492 440 120 427 1,232 35 3,133 Criticized nonaccrual4 27 90 76 33 242 268 20 760 Total commercial and industrial$7,099 $7,551 $5,208 $5,042 $2,598 $6,015 $28,