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M&T Bank MTB Interest on loans

Interest on loans at other companies

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$840K-1.9%
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$4.12M+10.3%
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$2.5M+56.3%
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Northwest BancsharesNWBI
$48.36M+19.6%

Other financials

Income statement

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Revenue$2.5B+5.7%
Net income$818.0M+14.2%
EPS (diluted)$5.32+25.5%

Balance sheet

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Cash & equivalents$16.3B-28.2%
Total debt$26.8B+97.7%
Total equity$27.9B-2.0%
Total assets$219.26B+3.6%

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$36.17B+24.1%
P/E11.9×+1.1×
P/S3.6×+0.5×

Profitability

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Net margin30.4%+1.8pp
FCF margin32.2%-5.2pp

Returns & leverage

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Return on equity10.7%+1.3pp
Debt / equity+0.5×

Where this comes from

Reported directly by M&T Bank in its filing.

Tagged under the XBRL concept mtb:DeferredTaxAssetsInterestOnLoans.

The source filing: M&T Bank’s 10-K, filed February 18, 2026.

Filed
Feb 18, 2026, 1:04 PM EST
Fiscal year
FY2025
Accession
0000036270-26-000010
(Dollars in millions)202520242023
Postretirement and other employee benefits686347
Incentive and other compensation plans393630
Unrealized losses5264
Interest on loans182842
Losses on cash flow hedges3452
Stock-based compensation494954
Depreciation and amortization30
Other107139153

Item 8. Financial Statements and Supplementary Data.

FAQ

What is M&T Bank's interest on loans?
M&T Bank (MTB) reported interest on loans of $18M in Q4 2025.
What is the long-term trend for M&T Bank's interest on loans?
Over 3 years (2022 to 2025), M&T Bank's interest on loans has grown at a -30.7% compound annual growth rate (CAGR), from $54M to $18M.
What does interest on loans mean?
This represents the deferred tax asset created by timing differences between the recognition of interest income for financial reporting and its recognition for tax purposes. It captures the tax impact of accounting methods used for loan interest accruals. This metric is essential for understanding the effective tax rate and cash flow timing.

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