Purpose & Values
Great companies have an enduring sense of purpose, and ours is to make a difference in people’s lives. We’re driven to help, and we encourage and enable our customers, colleagues and communities to thrive.
Our Purpose
We make a difference in people’s lives. That is why we are here.
Our Values
Our five core values are the foundation of our culture, defining how we work together and show up for our customers and each other.
- ±õ²Ô³Ù±ð²µ°ù¾±³Ù²â.ÌýWe treat others with respect. We do the right thing, even when nobody is watching. We trust each other to do what’s best
- Curiosity.ÌýWe never stop learning.ÌýWe encourage new ways of doing things. We embrace and adapt to change. We are empathetic and listen actively
- °ä²¹²Ô»å´Ç°ù.ÌýWe’re open and honest. We seek and share feedback. We question behavior that doesn’t align with our values
- °¿·É²Ô±ð°ù²õ³ó¾±±è:ÌýWe understand what’s important to our customers and communities. We follow through on commitments. We execute with urgency. We act responsibly to preserve our future
- Collaboration: We work together as one team. We’re transparent and share what we know. We foster belonging and unique perspectives. We celebrate our successes
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Making a Difference
Our Communities
At M&T, we understand that when our communities succeed, we all succeed. That’s why we take an active role in our communities.ÌýThrough our philanthropic arm, The M&T Charitable Foundation, we support a range of civic, cultural, health and human service organizations with financial grants, employee volunteerism and in-kind services.
In 2024, M&T Bank contributed over $67.4 million to more than 4,200 nonprofit organizations across twelve states and the District of Columbia to support what is most important in our local communities. We’ve also earned the highest possible Community Reinvestment Act rating on every exam since 1982.Ìý
Our Customers
While we’re big enough to deliver the experience, products and resources of a large bank, M&T is a community bank at heart. So we’re able to deliver the personalized service our customers expect and deserve.
We listen carefully to find out what matters most, so we can help guide customers to theÌýfinancial planningÌýandÌýsmall businessÌýorÌýcommercialÌýbanking solutions they need. Our commitment to supporting businesses is consistently demonstrated by our national ranking as one of the the topÌýSBA lendersÌýandÌý#1 rankingÌýin many of the markets we serve.Ìý
Our Employees
M&T bankers act like they own the place –Ìýbecause they do. More than half of M&T’s employees own stock in the company and are personally invested in the bank’s mission to effectively serve its customers and communities. M&T bankers tend to stick around. On average, our employees have a tenure that’s twice as long as their counterpartsÌýat other banks. They are making their careers at M&T a personal investment in the future – part of their long-term plans. And it's easy to see why.
We’ve worked hard to create a positive culture because it makes a difference in the way we work together. An environment like this helps inspire a passion and unyielding commitment to doing the right thing – not just for each other, but also for our customers, clients and communities. It's one of the reasons for our success. In addition to fostering a collaborative atmosphere, we make sure our employees know how much we value them. Extra perks like wellness programs andÌýtuition reimbursement, as well as discounts on cultural activities and sporting events reward employee dedication and emphasize the importance of work-life balance.Ìý
Our Shareholders
We have always worked to provide our shareholders with easy access to theÌýÌýthey need. From web casting shareholder meetings toÌý, we make it easy to stay involved and informed.ÌýMore importantly, M&T has consistently delivered profitability, strength and stability.
We’ve been profitable for 170 consecutive quarters – more than 42 straight years. And M&T is one of only three peer banks to report a profit in every quarter during the Great Recession (2008) and the only peer bank not to cut its dividend through the financial crisis. M&T has never needed to issue supplemental shares to raise capital. We also have a track record of well-executed acquisitions, includingÌý.Ìý
