M&T Bank Corp
mtb.comWhat Do They Do?
Provides retail and commercial banking, trust and wealth-management services to consumers, businesses and institutional clients.
10-K for FY2025, filed Feb 18, 2026
How Do They Make Money?
Trust clients pay fees for fiduciary, investment and administrative services, billed in advance or arrears. M&T also collects monthly account-maintenance and other service fees, brokerage fees at trade execution and fund placement, and card fees from customer transactions.
10-K for FY2025, filed Feb 18, 2026Trust income includes revenues from a variety of trustee, agency, investment, cash management and administrative services, asset…View ↗
Service charges on deposit accounts include fees deducted directly from customer account balances, such as account maintenance…View ↗
Brokerage services income includes revenues from the sale of mutual funds and annuities and securities brokerage fees. Such revenues are…View ↗
(Dollars in millions) Commercial Bank Retail Bank Institutional Services and Wealth Management Total Year Ended December 31, 2025…View ↗
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10-K for FY2025, filed Feb 18, 2026
FY2025 revenue by product or service ↗
$1.7B
-
10-K for FY2025, filed Feb 18, 2026
$1.7B ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Service charges on deposit accounts
|
33%
FY2022: 29%
|
Service charges on deposit accounts, FY2025
$551M Sources
|
|
|
Trust income
Recurring
10-K for FY2025, filed Feb 18, 2026 |
44%
FY2022: 49%
|
Trust income, FY2025
$724M Sources
|
Recurring |
|
Brokerage services income
|
7.9%
FY2022: 5.8%
|
Brokerage services income, FY2025
$131M Sources
|
|
|
Merchant discount and credit card interchange fees
Usage-based
10-K for FY2025, filed Feb 18, 2026 |
10%
FY2022: 10%
|
Merchant discount and credit card interchange fees, FY2025
$173M Sources
|
Usage-based |
|
Other
|
4.7%
FY2022: 5.9%
|
Other, FY2025
$78M Sources
|
Who Are Their Customers?
Serves consumers and small businesses through branch, digital, telephone and ATM channels, and offers commercial banking to middle-market and large companies. Institutional and wealth services go to corporations, institutions, and high-net-worth individuals and families.
10-K for FY2025, filed Feb 18, 2026The Commercial Bank segment provides a wide range of credit products and banking services to middle-market and large commercial customers…View ↗
The Retail Bank segment provides a wide range of services to consumers and small businesses through the Company’s branch network and…View ↗
The Institutional Services and Wealth Management segment provides a variety of trustee, agency, investment management and administrative…View ↗
Do Revenues Turn Into Profits?
Yes. Its net income in FY2025 was larger than its revenue.
10-K for FY2025, filed Feb 18, 2026
$2.9BView ↗
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 4, 2026
Open tableView ↗
Shrinking. Revenue fell 72% in 4 years, from $6B in FY2021 to $1.7B in FY2025, about 27% a year.
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