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
49 quarters · FDIC Call Reports
| 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% | 20.3% | 15.1% | 24.5% | 95 |
| 2025-Q4 | 12.13% | 9.59% | $161.1B | $136.7B | +2.4% | +1.35% | 20.5% | 15.4% | 24.2% | 61 |
| 2025-Q3 | 12.24% | 9.64% | $159.0B | $134.9B | +0.8% | +0.84% | 20.9% | 15.6% | 23.8% | 54 |
| 2025-Q2 | 12.46% | 9.76% | $157.7B | $134.0B | +0.9% | +1.33% | 21.2% | 15.4% | 24.5% | 47 |
| 2025-Q1 | 12.45% | 9.72% | $155.6B | $132.4B | -0.3% | -0.36% | 22.7% | 14.9% | 23.8% | 42 |
| 2024-Q4 | 12.32% | 9.48% | $156.2B | $133.5B | +1.1% | +0.39% | 23.3% | 14.5% | 23.9% | 44 |
| 2024-Q3 | 12.54% | 9.72% | $155.6B | $133.8B | +2.6% | +0.91% | 24.9% | 14.7% | 25.0% | 40 |
| 2024-Q2 | 12.16% | 9.22% | $154.2B | $132.8B | +1.1% | -0.37% | 25.7% | 14.2% | 24.7% | 45 |
| 2024-Q1 | 11.66% | 8.90% | $154.7B | $132.8B | +1.4% | +0.95% | 27.3% | 13.5% | 24.3% | 45 |
| 2023-Q4 | 11.53% | 8.83% | $153.3B | $132.0B | — | +1.34% | 27.9% | 12.7% | 24.0% | 49 |
| 2023-Q3 | 11.66% | 8.95% | $151.3B | $130.3B | — | -0.32% | 29.6% | 12.0% | 24.0% | 40 |
| 2023-Q2 | 11.47% | 8.89% | $151.7B | $131.4B | — | +0.23% | 29.9% | 11.8% | 23.9% | 27 |
| 2023-Q1 | 11.50% | 8.98% | $151.4B | $131.0B | — | — | 30.9% | 11.8% | 23.8% | — |
| 2022-Q4 | 11.23% | 8.77% | $148.5B | $129.7B | +41.9% | +2.61% | 31.1% | 12.0% | 23.2% | — |
| 2022-Q3 | 11.37% | 8.56% | $144.7B | $126.3B | +37.3% | +1.10% | 32.6% | 12.0% | 22.3% | — |
| 2022-Q2 | 11.55% | 8.27% | $143.1B | $126.6B | +32.6% | +39.25% | 34.4% | 11.7% | 22.0% | — |
| 2022-Q1 | 11.99% | 8.40% | $102.8B | $90.3B | -7.5% | -0.56% | 34.3% | 16.2% | 20.1% | — |
| 2021-Q4 | 11.98% | 8.11% | $103.4B | $91.4B | -5.5% | -0.10% | 34.7% | 15.8% | 19.8% | — |
| 2021-Q3 | 11.78% | 8.18% | $103.5B | $92.0B | -4.8% | -0.97% | 36.1% | 15.4% | 19.4% | — |
| 2021-Q2 | 11.50% | 8.25% | $104.5B | $95.5B | -0.6% | -0.22% | 35.6% | 14.4% | 21.4% | — |
| 2021-Q1 | 11.29% | 8.26% | $104.7B | $97.6B | +5.3% | -1.19% | 35.0% | 13.2% | 23.5% | — |
| 2020-Q4 | 10.90% | 8.27% | $106.0B | $96.7B | +7.8% | +1.25% | 35.6% | 13.0% | 23.2% | — |
| 2020-Q3 | 10.78% | 8.34% | $104.7B | $96.6B | +9.0% | -0.61% | 35.9% | 12.6% | 23.2% | — |
| 2020-Q2 | 10.32% | 8.27% | $105.3B | $96.0B | +8.2% | -1.70% | 35.7% | 12.0% | 24.4% | — |
| 2020-Q1 | 9.84% | 9.13% | $107.1B | $92.6B | +5.9% | +4.04% | 36.5% | 12.1% | 22.5% | — |
| 2019-Q4 | 10.34% | 9.08% | $103.0B | $89.7B | +2.8% | +1.50% | 36.1% | 12.1% | 21.3% | — |
| 2019-Q3 | 10.47% | 9.22% | $101.5B | $88.6B | +3.7% | +0.82% | 35.9% | 11.9% | 20.9% | — |
| 2019-Q2 | 10.56% | 9.37% | $100.6B | $88.7B | +2.4% | +1.66% | 36.4% | 11.2% | 21.1% | — |
| 2019-Q1 | 10.72% | 9.49% | $99.0B | $87.5B | +1.1% | +0.92% | 36.4% | 10.7% | 21.1% | — |
| 2018-Q4 | 10.84% | 9.42% | $98.1B | $87.3B | +0.6% | +2.46% | 36.1% | 10.4% | 20.9% | — |
| 2018-Q3 | 11.07% | 9.55% | $95.7B | $85.5B | -1.4% | -0.54% | 35.5% | 10.3% | 19.9% | — |
| 2018-Q2 | 10.95% | 9.47% | $96.3B | $86.6B | -1.4% | -0.24% | 35.8% | 9.7% | 19.8% | — |
| 2018-Q1 | 10.84% | 9.29% | $96.5B | $86.5B | -1.8% | -0.37% | 35.3% | 9.4% | 19.6% | — |
| 2017-Q4 | 10.30% | 8.68% | $96.8B | $86.8B | -3.2% | +0.19% | 34.8% | 9.2% | 19.6% | — |
| 2017-Q3 | 10.69% | 9.05% | $96.7B | $86.7B | -1.9% | -1.34% | 34.4% | 8.8% | 19.7% | — |
| 2017-Q2 | 10.44% | 8.86% | $98.0B | $87.8B | +0.7% | -0.80% | 34.3% | 8.1% | 19.9% | — |
| 2017-Q1 | 10.29% | 8.63% | $98.7B | $88.0B | +1.7% | -2.21% | 32.0% | 7.6% | 20.1% | — |
| 2016-Q4 | 10.02% | 8.41% | $101.0B | $89.6B | +4.0% | +3.85% | 32.0% | 7.3% | 19.9% | — |
| 2016-Q3 | 10.77% | 8.79% | $97.2B | $88.4B | +31.5% | +1.16% | 31.2% | 7.2% | 19.9% | — |
| 2016-Q2 | 11.24% | 9.14% | $96.1B | $87.2B | +30.6% | +1.12% | 29.9% | 6.9% | 19.9% | — |
| 2016-Q1 | 11.33% | 9.15% | $95.1B | $86.6B | +31.6% | +0.83% | 28.7% | 6.7% | 20.1% | — |
| 2015-Q4 | 11.33% | 9.75% | $94.3B | $86.2B | +32.0% | +15.80% | 28.1% | 6.5% | 19.3% | — |
| 2015-Q3 | 10.54% | 9.11% | $81.4B | $67.2B | +4.7% | +0.56% | 35.5% | 8.2% | 24.4% | — |
| 2015-Q2 | 10.35% | 9.00% | $81.0B | $66.8B | +5.4% | +1.54% | 34.9% | 7.8% | 24.6% | — |
| 2015-Q1 | 10.33% | 9.02% | $79.7B | $65.8B | +4.8% | +3.44% | 34.4% | 7.7% | 24.7% | — |
| 2014-Q4 | — | 8.56% | $77.1B | $65.3B | +4.2% | +2.01% | 34.2% | 7.6% | 24.4% | — |
| 2014-Q3 | — | 8.85% | $75.6B | $64.2B | +3.2% | +1.58% | 34.0% | 7.4% | 24.5% | — |
| 2014-Q2 | — | 8.93% | $74.4B | $63.4B | -1.8% | +1.63% | 33.6% | 7.1% | 24.9% | — |
| 2014-Q1 | — | 9.10% | $73.2B | $62.7B | -2.6% | +0.47% | 33.1% | 6.8% | 24.8% | — |
Latest Earnings Signals
From 2026-07-15 SEC 8-K earnings release · composite 0/4
AI Investment Memo
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Score Breakdown
Repeat issuer · scored on re-issuance timing
Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.
Fundamentals — context only
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +14/20 · global +6 pts