Filing Flows › M&T Bank (MTB) › Guidance & outlook

M&T Bank (MTB) guidance and outlook

M&T Bank's 10-Q filed Nov 5, 2026 makes 18 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 5, 2026

• The Company enters into forward-starting interest rate swap agreements predominantly to hedge interest rate exposures expected in future periods.
• At September 30, 2026 and December 31, 2025, approximately 91% and 89% of loans to the financial and insurance industry, respectively, and 7% of loans to the services industry, at each date, were designated as loans to NDFIs as prescribed in regulatory guidance applicable to the Company.
• When purchasing investment securities, the Company considers its liquidity position and its overall interest rate risk profile as well as the adequacy of expected returns relative to risks assumed, including prepayments.
• The Company may occasionally sell investment securities as a result of movements in interest rates and spreads, changes in liquidity needs, actual or anticipated prepayments, credit risk associated with a particular security, or as a result of restructuring its investment securities portfolio.
• Loans with a lower expectation of default are assigned one of ten possible "pass" loan grades while specific loans determined to have an elevated level of credit risk are designated as "criticized." A criticized loan may be designated as "nonaccrual" if the Company no longer expects to collect all amounts owed under the terms of the loan agreement or the loan is delinquent 90 days or more.
• In establishing the allowance for loan losses, the Company estimates losses attributable to specific troubled credits identified through both normal and targeted credit review processes and also estimates losses for other loans with similar risk characteristics on a collective basis, generally through the use of statistically developed credit models, which are required to achieve a satisfactory independent…
• The weighted-average of macroeconomic assumptions utilized as of September 30, 2026, June 30, 2026 and December 31, 2025 are presented in the following table and were based on information available at or near the time the Company was preparing its estimate of expected credit losses as of those dates.
• With respect to economic forecasts, the Company assessed the likelihood of alternative economic scenarios during the two-year reasonable and supportable forecast period.
• Management has assessed that the allowance for loan losses at September 30, 2026 appropriately reflected expected credit losses in the portfolio as of that date.
• Should the various economic forecasts and credit factors considered by management in establishing the allowance for loan losses change and should management’s assessment of losses in the loan portfolio also change, the level of the allowance as a percent of loans could increase or decrease in future periods.
• (a) The increase in trust assets under management from December 31, 2025 to each of September 30, 2026 and June 30, 2026 predominantly reflects managed assets related to a single customer construction project.
• Management does not anticipate engaging in any activities, either currently or in the long term, for which adequate funding would not be available and would therefore result in a significant strain on liquidity at either M&T or its subsidiary banks.

M&T Bank's latest quarter

Questions

What does M&T Bank expect?

The Company enters into forward-starting interest rate swap agreements predominantly to hedge interest rate exposures expected in future periods. At September 30, 2026 and December 31, 2025, approximately 91% and 89% of loans to the financial and insurance industry, respectively, and 7% of loans to the services industry, at each date, were designated as loans to NDFIs as prescribed in regulatory guidance applicable to the Company. When purchasing investment securities, the Company considers its liquidity position and its overall interest rate risk profile as well as the adequacy of expected re

Open the interactive view →

Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.