M&T Bank Balance Sheet Health
Financial Health criteria checks 6/6
M&T Bank has total assets of $211.8B and total equity of $28.9B. Total deposits are $164.6B, and total loans are $132.8B. It earns a Net Interest Margin of 3.8%. It has sufficient allowance for bad loans, which are currently at 1.4% of total loans. Cash and short-term investments are $27.0B.
Key information
7.3x
Asset to equity ratio
3.8%
Net interest margin
| Total deposits | US$164.55b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$27.00b |
Recent financial health updates
No updates
Recent updates
M&T Bank: Improved Credit Quality Highlights A Strong Q3
Oct 17M&T Bank: Strong Credit Recoveries Power A Better Q2 (Rating Upgrade)
Jul 23Hold Steady: Evaluating M&T Bank Corporation Performance
Jul 057.3% Yield And Investment Grade? Yes! M&T Bank
Jun 21M&T Bank: Buy The Dip
Apr 11M&T Bank: Fully Re-Rated (Rating Downgrade)
Jan 25M&T Bank Hasn't Seen The Price Growth It Deserves
Dec 30M&T Bank Delivering With A More Conservative But Still Profitable Plan
Oct 20Navigating M&T Bank: A Hidden Gem Or A Lost Cause?
Oct 02Deposit Pressures Make M&T Bank A Sell
Sep 10Why M&T Bank Is A Strong Buy And A Hidden Value Opportunity
Jul 20M&T Bank: 4.5% Yield, Solid Deposit Franchise, 18% Discount To BV
Jun 26M&T Bank Offers Rate And Operating Leverage, But Execution Is Crucial
Jan 24M&T Bank Q4 2022 Earnings Preview
Jan 18M&T Bank upped to Outperform at Wedbush, calling it a 'defensive safe haven'
Jan 03M&T Bank to sell Collective Investment Trust unit to Madison Dearborn
Dec 19M&T Bank declares $1.20 dividend
Nov 15Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MTB's Assets to Equity ratio (7.3x) is low.
Allowance for Bad Loans: MTB has a sufficient allowance for bad loans (114%).
Low Risk Liabilities: 90% of MTB's liabilities are made up of primarily low risk sources of funding.
Loan Level: MTB has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: MTB's Loans to Deposits ratio (81%) is appropriate.
Level of Bad Loans: MTB has an appropriate level of bad loans (1.4%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/20 23:18 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
M&T Bank Corporation is covered by 50 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Stephen Biggar | Argus Research Company |
| David George | Baird |
| Ishan Majumdar | Baptista Research |