M&T BANK CORP (MTB) Risk Factors
FinancialsLatest 10-K filed Feb 18, 2026Source: SEC EDGAR
WealthWire extracted and classified 38 risk factors from M&T BANK CORP’s latest SEC filing, mapping each to a standardized risk taxonomy so they can be compared across every company and sector. The breakdown below shows how those disclosures distribute across risk categories.
Financial
14 factorsLegal & regulatory
7 factorsTechnology
4 factorsMarket & business
4 factorsOther
3 factorsESG & reputation
3 factorsOperations & people
3 factorsRecent key developments
Concrete developments — dated events, named agreements and instruments, legal proceedings — that M&T BANK CORP surfaced in its latest filing.
- M&T's stress capital buffer (SCB) was 2.7% at December 31, 2025 under the Federal Reserve's biennial supervisory stress tests for Category IV institutions.December 31, 2025
- The Federal Reserve's August 2023 long-term debt proposal, if adopted, would require M&T to maintain more long-term debt than it currently does.August 2023
- Pending litigation challenges the Federal Reserve's regulation on permissible interchange fees; a district court vacated the regulation in August 2025, but the order is stayed pending appeal.August 2025
- The July 2025 GENIUS Act establishes a regulatory framework for payment stablecoins that could increase competition for M&T's bank deposits.July 2025
- In 2023, a cybersecurity incident involving MOVEit file transfer software compromised certain M&T customer information held by external service providers.2023
- The NYSDFS issued guidance for New York State-regulated banking and mortgage institutions on climate-related financial risk management in December 2023.December 2023
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