What is M&T Bank's CET1 capital requirement ratio?

M&T Bank (MTB) reported CET1 capital requirement ratio of 7.2% in Q4 2025.

What does CET1 capital requirement ratio mean?

This is the minimum percentage of Common Equity Tier 1 (CET1) capital that a bank is required to hold relative to its risk-weighted assets. It is a core regulatory metric used to ensure the bank has enough high-quality capital to absorb losses. The requirement is set by regulators based on the bank's size, complexity, and risk profile.

M&T Bank MTB CET1 capital requirement ratio

CET1 capital requirement ratio at other companies

CB Financial ServicesCBFV

4.5%0.0pp

BlackrockBLK

$33M+17.9%

Camden NationalCAC

7%0.0pp

Eagle Bancorp MontanaEBMT

4.5%—

MainStreet Bancshares, Inc.MNSB

4.5%0.0pp

Camden NationalCAC

12%+1.2pp

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 / equity1×+0.5×

Where this comes from

Reported directly by M&T Bank in its filing.

Tagged under the XBRL concept mtb:CommonEquityTierOneCapitalRequirementRatio.

The official record: M&T Bank’s 10-K, filed February 18, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is M&T Bank's CET1 capital requirement ratio?: M&T Bank (MTB) reported CET1 capital requirement ratio of 7.2% in Q4 2025.
What does CET1 capital requirement ratio mean?: This is the minimum percentage of Common Equity Tier 1 (CET1) capital that a bank is required to hold relative to its risk-weighted assets. It is a core regulatory metric used to ensure the bank has enough high-quality capital to absorb losses. The requirement is set by regulators based on the bank's size, complexity, and risk profile.