Data source: CET1 ratio sourced from FDIC Call Reports (bank-subsidiary level). Published figures from investor relations may differ by 1–2pp as those reflect the bank holding company level. For precise regulatory CET1 figures, refer to each bank's quarterly earnings release.
M&T Bank
MTBCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+1.51% QoQ growth
Total Loan Book
+4.1% YoY growth
Leverage Ratio
Tier 1 / Average assets
CET1 Ratio Trend
8 quarters · regulatory minimum 8% · scoring threshold 12%
RWA Growth
Bars = total ($B) · Line = QoQ growth %
Loan Book Composition
Latest quarter · 2026-Q1
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2026-Q1latest | 11.98% | 9.58% | $163.6B | $137.9B | +4.1% | +1.51% | 45.8% | 15.1% | 24.5% | 69 |
| 2025-Q4 | 12.13% | 9.59% | $161.1B | $136.7B | +2.4% | +1.35% | 46.5% | 15.4% | 24.2% | — |
| 2025-Q3 | 12.24% | 9.64% | $159.0B | $134.9B | +0.8% | +0.84% | 46.9% | 15.6% | 23.8% | — |
| 2025-Q2 | 12.46% | 9.76% | $157.7B | $134.0B | +0.9% | +1.33% | 47.3% | 15.4% | 24.5% | — |
| 2025-Q1 | 12.45% | 9.72% | $155.6B | $132.4B | -0.3% | -0.36% | 48.0% | 14.9% | 23.8% | — |
| 2024-Q4 | 12.32% | 9.48% | $156.2B | $133.5B | +1.1% | +0.39% | 48.2% | 14.5% | 23.9% | — |
| 2024-Q3 | 12.54% | 9.72% | $155.6B | $133.8B | +2.6% | +0.91% | 49.3% | 14.7% | 25.0% | — |
| 2024-Q2 | 12.16% | 9.22% | $154.2B | $132.8B | +1.1% | -0.37% | 50.1% | 14.2% | 24.7% | — |
| 2024-Q1 | 11.66% | 8.90% | $154.7B | $132.8B | — | +0.95% | 51.8% | 13.5% | 24.3% | — |
| 2023-Q4 | 11.53% | 8.83% | $153.3B | $132.0B | — | +1.34% | 52.7% | 12.7% | 24.0% | — |
| 2023-Q3 | 11.66% | 8.95% | $151.3B | $130.3B | — | -0.32% | 54.4% | 12.0% | 24.0% | — |
| 2023-Q2 | 11.47% | 8.89% | $151.7B | $131.4B | — | — | 55.1% | 11.8% | 23.9% | — |
Latest Earnings Signals
From 2026-04-15 SEC 8-K earnings release · composite 1/4
“M T's CET1 capital ratio is estimated to be 10.33% at March 31, 2026.”
“The provision for credit losses was $140 million in the first quarter of 2026 as compared with $125 million in the immediately preceding quarter and $130 million in the first quarter of 2025.”
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Score Breakdown
Live score · base 67 pts +2 macro adj
CET1 11.98% — below active SRT zone
0.02pp headroom above 8% regulatory floor
CET1 declining for 2+ consecutive quarters (12.24% → 12.13% → 11.98%)
Leverage ratio 9.58% — adequate headroom
Loan book grew 4.1% YoY
RWA grew 1.5% QoQ
CRE: 45.803779934148494%, Lev.Loans: 0%, max(Consumer/SME): 24.47166499862205%
Bank has previously issued SRT transactions
22 months since last SRT deal — likely planning next transaction
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +6/20 · global +2 pts