M&T(US:MTB)2025-04-14 15:45Financial Performance Highlights - Diluted EPS increased +10% YoY[32] - Net Interest Margin widened +8 bps QoQ and +14 bps YoY[32] - Provision for Credit Losses declined -7% QoQ and -35% YoY[32] - Tangible Book Value per Share increased +2% QoQ and +12% YoY[35] - Net Operating ROTA increased +13 bps YoY[35] Balance Sheet Overview - Average loans decreased -$879 million or -1% QoQ[45] - Average deposits decreased -$34 billion or -2% QoQ[50] - Repurchased $662 million of common shares in 1Q25[41] Income Statement Analysis - Noninterest income decreased -$46 million or -7% QoQ[55] - Noninterest expense increased +$52 million, or +4% QoQ[60] Credit Quality - Criticized loans decreased -$516 million QoQ[74] Capital Position - CET1 capital ratio decreased -18 bps to 1150% at the end of 1Q25[81] 2025 Outlook - Net Interest Income is expected to be between $705 billion to $715 billion[82]