M&T Bank Corporation (MTB) Q2 2025 Earnings Call Transcript


M&T Bank Corporation (NYSE:MTB) Q2 2025 Results Conference Call July 16, 2025 11:00 AM ET

Company Participants

Daryl N. Bible – Senior EVP & CFO
Steven Wendelboe – Corporate Participant

Conference Call Participants

Bill Carcache – Wolfe Research, LLC
Christopher Edward McGratty – Keefe, Bruyette, & Woods, Inc., Research Division
Ebrahim Huseini Poonawala – BofA Securities, Research Division
Erika Najarian – UBS Investment Bank, Research Division
Gerard Sean Cassidy – RBC Capital Markets, Research Division
John G. Pancari – Evercore ISI Institutional Equities, Research Division
Kenneth Michael Usdin – Bernstein Autonomous LLP
Manan Gosalia – Morgan Stanley, Research Division
Matthew Derek O’Connor – Deutsche Bank AG, Research Division
Peter J. Winter – D.A. Davidson & Co., Research Division

Operator

Good morning, everyone. Welcome to the M&T Bank Second Quarter 2025 Earnings Conference Call.

[Operator Instructions]

Please be advised that today’s conference is being recorded. I would now like to hand the conference over to Mr. Steve Wendelboe, Senior Vice President, Investor Relations. Please go ahead, sir.

Steven Wendelboe

Thank you, Bo, and good morning. I’d like to thank everyone for participating in M&T’s Second Quarter 2025 Earnings Conference Call. If you’ve not read the earnings release we issued this morning, you may access it along with the financial tables and schedules by going to our new and improved Investor Relations website at ir.mtb.com.

Also, before we start, I’d like to mention that today’s presentation may contain forward-looking information. Cautionary statements about this information are included in today’s earnings release materials and in the investor presentation as well as our SEC filings and other investor materials. The presentation also includes non-GAAP financial measures as identified in the earnings release and investor presentation, the appropriate reconciliations to GAAP are included in the appendix.

Joining me on the call this morning is M&T’s



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