M&T BANK CORP

M&T is a New York business corporation incorporated in November 1969, operating as a financial holding company and a bank holding company. As of December 31, 2025, M&T had two wholly-owned bank subsidiaries: M&T Bank and Wilmington Trust, N.A. These banks collectively provide a broad array of retail and commercial banking, wealth management, trust, and institutional services to their customers. The company reported consolidated total assets of $213.5 billion, deposits of $166.9 billion, and shareholders' equity of $29.2 billion at December 31, 2025. M&T Bank, incorporated in New York in 1892, is a member of the Federal Reserve System and the Federal Home Loan Bank System, with its deposits insured by the FDIC. M&T Bank offers banking products and services through a domestic banking office and ATM network across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Massachusetts, Maine, Vermont, New Hampshire, Virginia, West Virginia, and the District of Columbia. As a commercial bank, M&T Bank serves consumers, businesses, professional clients, governmental entities, and financial institutions in these markets. Lending activities primarily target consumers and small to medium-sized businesses within its banking office footprint, with additional loan origination through offices in other states and in Ontario, Canada.