M&T(US:MTB)2025-07-16 15:00Financial Performance Highlights - GAAP diluted EPS increased by 28% quarter-over-quarter (QoQ) and 14% year-over-year (YoY)[32] - Return on Assets rose by 23 basis points (bps) QoQ[32] - Return on Common Equity increased by 203 bps QoQ[32] - Provision for Credit Losses declined by 4% QoQ and 17% YoY[32] - Diluted Net Operating EPS increased +27% QoQ and +13% YoY[33] Balance Sheet - Average loans increased by $563 million QoQ[43] - CRE loans declined by 4% (-$926 million), reflecting higher payoffs and the sale of an out-of-footprint portfolio[43] - Consumer loans rose by 4% (+$1 billion), reflecting higher average recreational finance and automobile loans[43] - Average deposits increased by $22 billion or 1% QoQ[47] - Repurchased $11 billion of common shares in 2Q25[39] Income Statement - Noninterest income increased by $72 million or 12% QoQ[52] - Noninterest expense decreased by $79 million, or -6% QoQ[57] - Taxable-equivalent net interest income increased +$15 million or 1% QoQ[38] Credit Quality - Criticized loans decreased -$10 billion QoQ[68]