Company: MTB-PJ
Filing Date: 2025-10-30
Form Type: 424B5
Source: 0001193125-25-257002
Chunk: 3

Company: M&T BANK CORP
Filing Date: 2025-10-30
Form: 424B5
Chunk 3
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 to subscribe for and purchase, any securities, and may not be used for or in connection with an offer or solicitation by anyone, in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom
it is unlawful to make such an offer or solicitation.

In this prospectus supplement, unless otherwise indicated or the context otherwise
requires (for example, under the heading “Cautionary Note Regarding Forward-Looking Statements”), references to “M&T,” “we,” “us,” or “our” refer solely to M&T Bank Corporation and
not to its consolidated subsidiaries. References to a particular year mean M&T’s fiscal year commencing on January 1 and ending on December 31 of that year.

S-ii

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This document, including information included or incorporated by reference in this document, contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Any statement that does not describe historical or current facts is a forward-looking statement, including statements based on current expectations, estimates and projections about our business, and management’s beliefs and assumptions. Statements regarding the potential effects of events or factors specific to us and/or the financial industry as a whole, as well as national and global events generally, on our business, financial condition, liquidity and results of operations may constitute forward-looking statements. Such statements are subject to the risk that the actual effects may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control. Forward-looking statements are typically identified by words such as “believe,” “expect,” “anticipate,” “intend,” “target,” “estimate,” “continue,” or “potential,” by future conditional verbs such as “will,” “would,” “should,” “could,” or “may,” or by variations of such words or by similar expressions. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions which are difficult to predict and may cause actual outcomes to differ materially from what is expressed or forecasted. While there can be no assurance that any list of risks and uncertainties is complete, important factors that could cause actual outcomes and results to differ materially from those contemplated by forward-looking statements include the following, without limitation:

| • |     | economic conditions and growth rates, including inflation and market volatility; |

| • |     | events and developments in the financial