M&T BANK CORPORATION
BANK
LOWER RATE THAN 59% OF SCORED PEERS
Data last verified: May 2026 snapshot|12 federal data sources|Methodology ›
Complaint rate · per 1,000 customersscale 0–10
05100.51PER 1,000 CUSTOMERS
Sector median 0.50 · Lowest in dataset 0.09
A lower federal complaint rate per customer than 59.6% of scored peers — though sub-signal observations remain on record.
Methodological confidence: HIGH · n=8,793 complaints over 14 years
Customer ratio
1 in 1,923
customers filed a federal complaint
Resolved with relief
20%
received monetary or non-monetary relief
Daily volume
1.7
complaints per day · 2011–2026 average
6.0× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 1.0× the sector median; lower rate than 59.62% of scored institutions.
24-month trajectory · monthly complaint rate
24MO AGOTODAY0.00620.00
Where complaints concentrate · top 3 product categories
Mortgages
0.23/1k
3,961
Checking & savings
0.15/1k
2,569
Money transfers
0.02/1k
302
TOTAL COMPLAINTS
8,793
2011–2026
YEAR-ON-YEAR
↑ 26%
above baseline
RESOLUTION RATE
20%
above CFPB median
SHADOW RATE
~0/1k
directional
FEDERAL CONSENSUS
—
—
5 nearest rates in scored dataset
KEYCORP
0.48/1k
▸ M&T BANK CORPORATION
0.51/1k
OPTUM BANK, INC.
0.52/1k
JPMORGAN CHASE & CO.
0.53/1k
POPULAR BANK
0.53/1k
Complaint Coach
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Federal data sources
CFPBOCCFDICFTCFederal ReserveFinCENHUDDOJNCUATreasuryFFIECFHFA
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU

M&T BANK CORPORATION performs slightly below the industry benchmark.

A rate of 0.51 per 1,000 customers is above the threshold we consider low-risk (0.50). While not among the worst performers, there are better-rated alternatives available. Complaint rates are normalised across 8,793 total complaints and estimated customer counts, making comparisons fair across institutions of all sizes.

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Check the complaint categories below to see where this institution receives the most criticism, and compare against alternatives before committing.

Federal enforcement record

No active federal enforcement actions are on file across the OCC, Federal Reserve, CFPB, FinCEN, FDIC, and FTC.

FULL RECORD
Complaint Profile
Rate / 1,000 customers0.51/1k
Total complaints (2011–2026)8,793
Year-on-year change+26%worsening
Timely response rate99.5%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.41%✓ healthy
Tier 1 capital ratio12.1%✓ adequate buffer
Loan loss reserve ratio1.52%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$600.00M
DFAST stress test (Fed)8.6% CET1 stressed
Regulatory Enforcement Record
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
Managing an account17%
Trouble during payment process12%
Loan servicing, payments, escrow account9%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $600M
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Institution Status
No DNA profile signals computed for this institution.
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›