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M&T Bank MTB Commercial Bank — Net Interest Income

Other segment segments

Retail Bank
$950M-2.3%
Institutional Services and Wealth Management
$156M-8.8%
All Other
$111M+383%

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$1.99B+0.6%
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$581M+1.6%

Other financials

Income statement

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Revenue$2.4B+5.9%
Net income$664.0M+13.7%
EPS (diluted)$4.13+24.4%

Balance sheet

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Cash & equivalents$16.3B-28.2%
Total debt$26.8B+97.7%
Total equity$28.0B-3.5%
Total assets$214.74B+2.1%

Cash flow

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Operating cash flow$1.0B+59.4%
CapEx$96.0M+284%
Free cash flow$916.0M+50.2%

Valuation

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Market cap$34.86B+12.2%
Enterprise value$45.33B-0.1%
P/E11.9×+0.4×
P/S3.6×+0.3×

Profitability

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Net margin29.8%+1.5pp
FCF margin32.2%-5.2pp

Returns & leverage

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Return on equity10.3%+0.9pp
Debt / equity+0.5×

Where this comes from

Reported directly by M&T Bank in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: M&T Bank’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is M&T Bank's commercial bank — net interest income?
M&T Bank (MTB) reported commercial bank — net interest income of $535M in Q1 2026.
How has M&T Bank's commercial bank — net interest income changed year-over-year?
M&T Bank's commercial bank — net interest income increased by 1.1% year-over-year, from $529M to $535M.
What is the long-term trend for M&T Bank's commercial bank — net interest income?
Over 4 years (2021 to 2025), M&T Bank's commercial bank — net interest income has grown at a 8.4% compound annual growth rate (CAGR), from $1.56B to $2.15B.
What does commercial bank — net interest income mean?
This is the difference between the interest income generated by commercial loan portfolios and the interest expense paid on deposits and other funding sources. It is the primary driver of profitability for the commercial banking segment. Fluctuations are driven by changes in interest rate environments and the volume of commercial lending activity.