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Rowe Price Associates, Inc. Retirement 2010 Fund - Class E | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. Retirement 2015 Fund - Class E | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. Retirement 2020 Fund - Class E | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. Retirement 2025 Fund - Class E | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. Retirement 2030 Fund - Class E | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. Retirement 2035 Fund - Class E | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. Retirement 2040 Fund - Class E | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. Retirement 2045 Fund - Class E | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. 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Small-Cap Value Equity Trust D | Common trust fund2025-12-310000036270mtb:EBP004MemberDiamond Hill Large Cap Portfolio R2 | Common trust fund2025-12-310000036270mtb:EBP004MemberMetropolitan West Total Return Bond Fund C | Common trust fund2025-12-310000036270mtb:EBP004MemberThe Vanguard Group, Inc. Institutional International Market Index | Common trust fund2025-12-310000036270mtb:EBP004MemberThe Vanguard Group, Inc. Institutional Bond Market Index C | Common trust fund2025-12-310000036270mtb:EBP004MemberThe Vanguard Group, Inc. Institutional Extended Market Index C | Common trust fund2025-12-310000036270mtb:EBP004MemberThe Vanguard Group, Inc. Institutional 500 Index Trust C | Common trust fund2025-12-310000036270mtb:EBP004MemberT. Rowe Price Associates, Inc. Stable Value Income Fund | Stable value fund2025-12-31
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 11-K
[X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2025
or
[ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
Commission file number 1-9861
A. Full title of the plan and the address of the
plan, if different from that of the issuer named
below:
M&T BANK CORPORATION
RETIREMENT SAVINGS PLAN
B. Name of issuer of the securities held pursuant
to the plan and the address of its principal
executive office:
M&T BANK CORPORATION
One M&T Plaza
Buffalo, New York 14203
Table of Contents of Information Required in Report
Item 4. Financial Statements and Supplemental Schedule for the Plan.
The M&T Bank Corporation Retirement Savings Plan (“the Plan”) is subject to the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In lieu of the requirements of Items 1-3 of this Form, the Plan is filing the financial statements and supplemental schedule prepared in accordance with the financial reporting requirements of ERISA. The Plan financial statements for the years ended December 31, 2025 and 2024 and the supplemental schedule as of December 31, 2025 are included as Exhibit 99.1 to this report on Form 11-K and are incorporated herein by reference. The Plan financial statements and supplemental schedule have been examined by PricewaterhouseCoopers LLP, Independent Registered Public Accounting Firm, and their report is included therein.
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SIGNATURES |
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EXHIBITS |
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23.1 | | 4 |
99.1 | | 5 |
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the M&T Bank Corporation Employee Benefit Plans Committee has duly caused this annual report to be signed on its behalf by the undersigned hereunto duly authorized.
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| M&T BANK CORPORATION RETIREMENT SAVINGS PLAN |
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Date: June 26, 2026 | | By: /s/ Andrea Kozlowski |
| | Andrea Kozlowski |
| | M&T Bank Corporation Employee |
| | Benefit Plans Committee |