Net Interest Income
M&T Bank Net Interest Income decreased by 1.5% to $1.75B in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 3.4%, from $1.70B to $1.75B. Over 4 years (FY 2021 to FY 2025), Net Interest Income shows an upward trend with a 16.1% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
How to read this metric
An increase typically signals effective balance sheet management, growth in the loan portfolio, or a favorable interest rate environment, while a decrease may indicate margin compression or a decline in earning assets.
Detailed definition
Net interest income represents the difference between the interest earned on interest-bearing assets, such as loans and...
Peer comparison
Peers in the regional banking sector typically report this as a primary revenue line item, with variations driven by the specific mix of commercial versus retail lending and the sensitivity of their deposit base to market interest rates.
net_interest_incomeHistorical 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 | $942.34M | $967.25M | $934.02M | $904.17M | $1.41B | $1.68B | $1.83B | $1.82B | $1.80B | $1.78B | $1.72B | $1.68B | $1.72B | $1.73B | $1.73B | $1.70B | $1.71B | $1.76B | $1.78B | $1.75B |
| QoQ Change | — | +2.6% | -3.4% | -3.2% | +56.1% | +18.9% | +8.9% | -0.5% | -1.0% | -1.3% | -2.9% | -2.5% | +2.3% | +0.5% | +0.1% | -1.9% | +1.1% | +2.8% | +1.0% | -1.5% |
| YoY Change | — | — | — | — | +49.8% | +73.6% | +95.7% | +101.1% | +27.4% | +5.7% | -5.7% | -7.6% | -4.5% | -2.8% | +0.3% | +0.9% | -0.3% | +2.0% | +3.0% | +3.4% |
Business Segments
| Segment | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Retail Bank | $1.09B | $1.09B | $1.04B | $972.00M | $988.00M | $999.00M | $988.00M | $950.00M |
| Commercial Bank | $553.00M | $551.00M | $560.00M | $529.00M | $531.00M | $539.00M | $553.00M | $535.00M |
| Institutional Services and Wealth Management | $194.00M | $185.00M | — | $171.00M | $166.00M | $163.00M | — | $156.00M |
| All Other | — | — | — | $23.00M | $28.00M | $60.00M | $83.00M | $111.00M |
| Total | $1.72B | $1.73B | $1.73B | $1.70B | $1.71B | $1.76B | $1.78B | $1.75B |
Net Interest Income at Other Companies
Frequently Asked Questions
- What is M&T Bank's net interest income?
- M&T Bank (MTB) reported net interest income of $1.75B in Q1 2026.
- How has M&T Bank's net interest income changed year-over-year?
- M&T Bank's net interest income increased by 3.4% year-over-year, from $1.70B to $1.75B.
- What is the long-term trend for M&T Bank's net interest income?
- Over 4 years (2021 to 2025), M&T Bank's net interest income has grown at a 16.1% compound annual growth rate (CAGR), from $3.83B to $6.95B.
- What does net interest income mean?
- The profit a bank makes from the difference between the interest it earns on loans and the interest it pays on deposits.