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Lender stress: M&T Bank Corporation
Ticker MTB. Three public records about this lender, one panel each. They are not combined: each has its own source, date and caveat.
The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.
Bank card and auto loans at M&T Bank Corporation
Q2 2026Past-due and charge-off rates on credit card and auto loans of the banks M&T Bank Corporation owns, from FDIC call reports
US bank subsidiaries Q2 2026: card past due 2.66%, auto past due 1.21%. Banks: MANUFACTURERS&TRADERS TR CO; WILMINGTON TRUST NA.
| Quarter | Card loans | Card past due | Card charge-offs | Auto loans | Auto past due | Auto charge-offs |
|---|---|---|---|---|---|---|
| Q2 2026 | $977M | 2.66% | 4.50% | $5.0B | 1.21% | 0.40% |
| Q1 2026 | $949M | 2.63% | 4.64% | $5.0B | 1.20% | 0.48% |
| Q4 2025 | $973M | 2.47% | 3.99% | $5.2B | 1.14% | 0.39% |
| Q3 2025 | $932M | 2.33% | 4.33% | $5.2B | 1.07% | 0.46% |
| Q2 2025 | $905M | 2.32% | 3.98% | $5.3B | 0.98% | 0.26% |
| Q1 2025 | $871M | 2.40% | 4.51% | $5.1B | 1.02% | 0.50% |
| Q4 2024 | $875M | 2.51% | 3.71% | $5.2B | 1.25% | 0.73% |
| Q3 2024 | $827M | 2.34% | 4.38% | $5.1B | 1.11% | 0.35% |
Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. These are the figures of the lender's US bank subsidiaries, as filed with the FDIC, not of the holding company's whole business. A lender can hold part of its card or auto loans outside its banks. Past due means 30 or more days; charge-offs are the quarter's net charge-offs times four, over loans.
Credit card metrics at M&T Bank Corporation
Monthly charge-offs and late payments on card loans, from the issuer's SEC filings
Not reported for this lender.
Consumer complaints at M&T Bank Corporation
Jul–Sep 2026Complaints to the CFPB about M&T Bank Corporation: trend, products, issues, answered in time and closed with relief
Jul–Sep 2026: 425 complaints, +49.1% against Jul–Sep 2025 (285). 100% were answered in time; 15% of the 422 closed ended with monetary or non-monetary relief.
Complaints by month
By product, Jul–Sep 2026
| Product | Complaints | Share | Year earlier | ChangeAgainst the same three months a year earlier. Shown when that window had at least 50 complaints. | In timeShare of complaints the company answered within the CFPB's deadline. | ReliefShare of closed complaints that ended with monetary or non-monetary relief for the consumer. |
|---|---|---|---|---|---|---|
| Mortgage | 199 | 47% | 100 | +99.0% | 100% | 14% |
| Checking or savings account | 102 | 24% | 97 | +5.2% | 100% | 25% |
| Credit reporting or other personal consumer reports | 61 | 14% | 54 | +13.0% | 100% | 2% |
| Vehicle loan or lease | 25 | 6% | 7 | — | 100% | 12% |
| Credit card | 16 | 4% | 8 | — | 100% | 25% |
| Debt collection | 12 | 3% | 10 | — | 92% | 0% |
| Money transfer, virtual currency, or money service | 6 | 1% | 6 | — | 100% | 17% |
| Payday loan, title loan, personal loan, or advance loan | 3 | 1% | 3 | — | 100% | 0% |
| Debt or credit management | 1 | 0% | 0 | — | 100% | 0% |
Biggest issues
| Issue | Complaints | Year earlier |
|---|---|---|
| Trouble during payment process Mortgage | 94 | 50 |
| Struggling to pay mortgage Mortgage | 85 | 23 |
| Managing an account Checking or savings account | 66 | 65 |
| Incorrect information on your report Credit reporting or other personal consumer reports | 34 | 34 |
| Managing the loan or lease Vehicle loan or lease | 15 | 2 |
| Problem with a lender or other company charging your account Checking or savings account | 14 | 7 |
| Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports | 14 | 8 |
| Improper use of your report Credit reporting or other personal consumer reports | 12 | 11 |
Complaints are unverified and grow with a company's customer count; compare trends, not totals. Source: CFPB Consumer Complaint Database (CFPB), complaints received through 2026-11-11. The newest 15 days are left out: the CFPB publishes a complaint up to 15 days after it arrives.
Information, not investment advice (disclaimer). All lenders.