M&T Bank Corporation

Buffalo-based regional bank serving consumers, businesses and institutions

What M&T Bank does

M&T Bank is a U.S. bank that takes deposits and makes loans to individuals, small businesses and larger companies. It owns Manufacturers and Traders Trust Company and Wilmington Trust, which also offer trust, wealth management and investment services. Customers reach it through branches, ATMs, phone banking and online banking.

How M&T Bank makes money

It earns most of its money from the gap between the interest it charges on commercial, real estate and consumer loans and the interest it pays on deposits. It also collects fees for cash management, merchant services, trust and fiduciary work, asset management and selling investment products.

Products & services

• Commercial lending, leasing and commercial real estate loans
• Checking, savings and time deposit accounts
• Residential mortgages, home equity loans and auto/RV loans
• Cash management, payroll and merchant card services for businesses
• Wilmington Trust institutional trust and agency services
• Wealth management, family office and investment products