Allowance for credit losses
M&T Bank Allowance for credit losses increased by 0.9% to $2.14B in Q1 2026 compared to the prior quarter. Year-over-year, this metric declined by 2.9%, from $2.20B to $2.14B. Over 5 years (FY 2020 to FY 2025), Allowance for credit losses shows an upward trend with a 4.0% CAGR. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
How to read this metric
An increase suggests higher expected defaults or a more conservative risk assessment, while a decrease suggests improved borrower creditworthiness.
Detailed definition
A contra-asset account representing the estimated amount of uncollectible loans and receivables within the company's len...
Peer comparison
Standard for financial institutions; peers with higher-risk loan portfolios will typically maintain higher allowance ratios.
bank_allowance_for_credit_lossesHistorical Data
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $1.58B | $1.52B | $1.47B | $1.47B | $1.82B | $1.88B | $1.93B | $1.98B | $2.00B | $2.05B | $2.13B | $2.19B | $2.20B | $2.20B | $2.18B | $2.20B | $2.20B | $2.16B | $2.12B | $2.14B |
| QoQ Change | — | -3.8% | -3.0% | +0.2% | +23.9% | +2.8% | +2.6% | +2.6% | +1.2% | +2.7% | +3.8% | +2.9% | +0.6% | +0.0% | -0.9% | +0.7% | -0.1% | -1.6% | -2.1% | +0.9% |
| YoY Change | — | — | — | — | +15.8% | +23.8% | +31.0% | +34.1% | +9.6% | +9.4% | +10.6% | +10.9% | +10.3% | +7.4% | +2.6% | +0.4% | -0.3% | -2.0% | -3.1% | -2.9% |
| % of Net loans | 1.6% | 1.6% | 1.6% | 1.6% | 1.4% | 1.5% | 1.5% | 1.5% | 1.5% | 1.6% | 1.6% | 1.6% | — | — | — | — | — | — | — | — |
| Share Change | — | -0.0pp | -0.0pp | +0.0pp | -0.2pp | +0.0pp | +0.0pp | +0.0pp | +0.0pp | +0.1pp | +0.0pp | +0.0pp | — | — | — | — | — | — | — | — |
Allowance for credit losses at Other Companies
Frequently Asked Questions
- What is M&T Bank's allowance for credit losses?
- M&T Bank (MTB) reported allowance for credit losses of $2.14B in Q1 2026.
- How has M&T Bank's allowance for credit losses changed year-over-year?
- M&T Bank's allowance for credit losses decreased by 2.9% year-over-year, from $2.20B to $2.14B.
- What is the long-term trend for M&T Bank's allowance for credit losses?
- Over 5 years (2020 to 2025), M&T Bank's allowance for credit losses has grown at a 4.0% compound annual growth rate (CAGR), from $1.74B to $2.12B.
- What does allowance for credit losses mean?
- The reserve set aside to cover potential losses from loans that may not be repaid.