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
+1.35% QoQ growth
Total Loan Book
+2.4% 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 · 2025-Q4
Metric History
8 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 12.13% | 9.59% | $161.1B | $136.7B | +2.4% | +1.35% | 46.5% | 15.4% | 24.2% | 33 |
| 2025-Q3 | 12.24% | 9.64% | $159.0B | $134.9B | +0.8% | +0.84% | 46.9% | 15.6% | 24.2% | — |
| 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 | — | -0.36% | 48.0% | 14.9% | 24.8% | — |
| 2024-Q4 | 12.32% | 9.48% | $156.2B | $133.5B | — | +0.39% | 48.2% | 14.5% | 24.8% | — |
| 2024-Q3 | 12.54% | 9.72% | $155.6B | $133.8B | — | +0.91% | 49.3% | 14.7% | 25.0% | — |
| 2024-Q2 | 12.16% | 9.22% | $154.2B | $132.8B | — | — | 50.1% | 14.2% | 24.7% | — |
| 2024-Q1 | 11.66% | 8.90% | $154.7B | $132.8B | — | — | 51.8% | 13.5% | 24.3% | — |
Score Breakdown
Live score · base 37 pts -4 macro adj
CET1 12.13% — above 12%, no pressure
-0.13pp above 8% regulatory floor
CET1 declining for 2+ consecutive quarters (12.46% → 12.24% → 12.13%)
Loan book grew 2.4% YoY
RWA grew 1.4% QoQ
Highest concentration: CRE at 46.5% — above 30% threshold
No prior SRT deals on record
Live macro signal: UNFAVORABLE (sentiment -10/20) — 3/10 pts
$50B–$500B total assets — ideal SRT candidate size band
Sentiment -10/20 · global -4 pts
AI Investment Memo
Llama will analyze M&T Bank across 4 data dimensions and write a structured memo
Click Generate Analysis to create an investment memo
Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks