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M&T Bank MTB Retail Bank — Provision for Credit Losses

Other segment segments

All Other
$29M+142%
Commercial Bank
$29M-19.4%
Institutional Services and Wealth Management
$0-100%

Similar metrics at other companies

PNC Financial Services logo
PNCRetail Banking — Provision for Credit Losses
$124M-26.2%
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CBSHRetail banking segment — Provision for Credit Losses
$9.27M-9.6%
Washington Trust Bancorp logo
WASHBanking — Provision for Credit Losses
$4M+233%
First Community Corporation logo
FCCOCommercial And Retail Banking — Provision For Other Credit Losses
$196K-57.6%
First BanCorp logo
FBPConsumer Retail Banking — Provision For Loan Lease And Other Losses
$18.58M-7.2%
FB Financial logo
FBKBanking — Provisions for credit losses
$1.99M-9.2%

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+12.6%
Enterprise value$45.33B+0.2%
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:FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal.

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 retail bank — provision for credit losses?
M&T Bank (MTB) reported retail bank — provision for credit losses of $82M in Q1 2026.
How has M&T Bank's retail bank — provision for credit losses changed year-over-year?
M&T Bank's retail bank — provision for credit losses increased by 3.8% year-over-year, from $79M to $82M.
What is the long-term trend for M&T Bank's retail bank — provision for credit losses?
Over 3 years (2022 to 2025), M&T Bank's retail bank — provision for credit losses has grown at a 44.9% compound annual growth rate (CAGR), from $101M to $307M.
What does retail bank — provision for credit losses mean?
The provision for credit losses represents the expense set aside by the retail banking segment to cover expected future losses on its loan portfolio. It is a forward-looking estimate based on credit quality, economic conditions, and historical loss experience. This metric is a critical indicator of the bank's risk management and the perceived creditworthiness of its retail customer base.