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 (8.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 9.6.
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.9) profitability. A current level of 8.7 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Fair asset quality (3.8).
Asset Mix:
Securities (17%), comm loans (16%), home mtgs (12%), comm re (11%), consumer loans (10%), cash (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
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Bank