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Average Loans by Segment
Shows typical loan balances by segment, indicating lending activity, portfolio mix, and concentration risk; rapid growth in specific loan types can boost short-term revenue but raise credit risk if conditions deteriorate.Since late‑2023 M&T has rebalanced its book: C&I lending is the clear growth driver while commercial‑real‑estate volumes have been deliberately pared, with consumer and residential loans gradually firming. Management’s commentary confirms continued H2 loan momentum but warns that loan-driven RWA growth (plus buybacks) trims CET1 and that some CRE/office concentration risk remains; in short, higher‑earning C&I and consumer growth supports near‑term earnings but raises capital pressure and modest NIM risk as new assets and deposit remixing push margins.
Date | Commercial and Industrial | Commercial Real Estate | Residential Real Estate | Consumer |
|---|---|---|---|---|
Jun 30, 2026 | $66.00B | $23.60B | $25.10B | $26.70B |
Mar 31, 2026 | $63.80B | $23.50B | $24.80B | $26.30B |
Dec 31, 2025 | $62.20B | $24.10B | $24.80B | $26.50B |
Sep 30, 2025 | $61.70B | $24.30B | $24.40B | $26.10B |
Jun 30, 2025 | $61.00B | $25.30B | $23.70B | $25.40B |
Mar 31, 2025 | $61.00B | $26.30B | $23.20B | $24.30B |
Dec 31, 2024 | $60.70B | $27.90B | $23.10B | $24.00B |
Sep 30, 2024 | $59.80B | $29.10B | $23.00B | $22.90B |
Jun 30, 2024 | $58.10B | $31.50B | $23.00B | $22.00B |
Mar 31, 2024 | $56.80B | $32.70B | $23.10B | $21.20B |