M&T银行三季度净利7.75亿美元 贷款与存款双增、每股收益5.04美元
M&T银行公司（M&T Bank，纽交所代码：MTB）10月16日公布2026年第三季度业绩：净收入7.75亿美元，摊薄每股收益5.04美元（上季度为净收入8.18亿美元、每股收益5.32美元；去年同期为7.92亿美元、4.82美元）。按非公认会计准则计算的净经营每股收益为5.08美元，高于市场一致预期；季度总收入约25.4亿美元，同比增长约2%。
三季度净利息收入17.93亿美元，净息差为3.65%，环比收窄5个基点，主要受非常应计利息收入减少等因素影响；非利息收入7.43亿美元。平均贷款增至1,432.96亿美元，环比增加26亿美元，主要由商业房地产贷款（增加16亿美元）、消费贷款和住宅房地产贷款拉动；平均存款达到1,667.77亿美元。信贷方面，信贷损失拨备由上季度的1.20亿美元升至1.35亿美元，净核销年化比率为0.35%，贷款损失准备占贷款余额的1.51%。
资本与股东回报方面，季末核心一级资本（CET1）比率估计为10.16%；公司三季度以3.23亿美元回购了130万股普通股，每股普通股权益为174.95美元，普通股权益回报率11.44%，资产回报率1.40%。抵押贷款银行业务收入当季增加2,500万美元，公司期内开始为新增629亿美元的住宅按揭贷款提供子服务（sub-servicing）。（GSM据M&T银行经PR Newswire发布的财报）
M&T Bank Posts $775 Million in Third-Quarter Net Income as Loans and Deposits Grow
M&T Bank Corporation (NYSE: MTB) on October 16 reported third-quarter 2026 net income of $775 million, or $5.04 of diluted earnings per common share, compared with $818 million and $5.32 in the second quarter and $792 million and $4.82 a year earlier. Net operating earnings, a non-GAAP measure, were $5.08 per share, above consensus estimates, and total revenue was about $2.54 billion, up roughly 2% year over year.
Net interest income was $1.793 billion, with a net interest margin of 3.65%, down five basis points from the prior quarter, partly on lower nonaccrual interest income. Noninterest income totaled $743 million. Average loans rose $2.6 billion sequentially to $143.296 billion, driven by commercial real estate balances (up $1.6 billion), consumer loans and residential real estate loans, while average deposits reached $166.777 billion. The provision for credit losses rose to $135 million from $120 million in the second quarter; annualized net charge-offs were 0.35% of average loans, and the allowance for loan losses stood at 1.51% of outstanding loans.
M&T ended the quarter with an estimated CET1 capital ratio of 10.16%. It repurchased 1.3 million common shares for $323 million during the quarter. Book value per common share was $174.95, return on average common equity was 11.44% and return on average assets was 1.40%. Mortgage banking revenues increased $25 million, and the company began sub-servicing an additional $62.9 billion of residential mortgage loans during the quarter. (GSM, based on M&T Bank's earnings release via PR Newswire)
发布：GSM·美国（发布链接）
图片来源：图：M&T银行总部所在地——纽约州布法罗One M&T Plaza前的喷泉广场。图片来源：Andre Carrotflower，Wikimedia Commons，公共领域。Photo: The fountain at One M&T Plaza in Buffalo, New York, the bank's headquarters. Source: Andre Carrotflower, via Wikimedia Commons, public domain.
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