M&T Bank Corp

MTB: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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M&T Bank Earnings: The Bank Will Finally See Commercial Real Estate Loan Growth in 2026

Maoyuan Chen

Jan 16, 2026

M&T Bank delivered OK results in the fourth quarter, with the bank's net interest income growing by 3% year over year. The bank's adjusted efficiency ratio improved by 90 basis points to 56% in 2025. The results translated into a strong adjusted return on tangible common equity of 15.4% for 2025.

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M&T Bank Corp

M&T Bank Earnings: The Bank Will Finally See Commercial Real Estate Loan Growth in 2026

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