Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a risk-based capital ratio of 13.7 and a capital leverage ratio of 9.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.3 has resulted in Good (6.4) profitability. A current level of 9.5 percent of nonperforming loans to core capital combined with 10.1 percent from a year earlier contributes to the Fair asset quality (3.4).
Asset Mix:
Comm loans (16%), securities (15%), comm re (12%), home mtgs (11%), cash (10%), consumer loans (9%), home eq lns (2%), other (24%)
States with Branches:
CT, DC, DE, FL, MA, MD, ME, NH, NJ, NY, PA, VA, VT, WV
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
M&T Bank Corporation
Investment Rating
Address
One M&T Plaza
Buffalo, NY 14203
Buffalo, NY 14203
Phone Number
(716) 842-4470
Year Founded
1856
FDIC Number
Website
Largest Affiliates
Wilmington, DE
-
Bank