Bank · FDIC insured
M&T Bank
A $218.8B bank, the 21st largest of 4,207, headquartered in Buffalo, NY, with 933 branches in 14 states. Best rates: savings 0.01% APY.
M&T Bank Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#157 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About M&T Bank
M&T Bank has evolved across its 165-year history.
- Headquarters
- 1 M And T Plz, Buffalo, NY 14203
- FDIC certificate
- 588 ↗
Branches
933 branches in 14 states
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New York
271 branchesMaryland
148 branchesPennsylvania
133 branchesConnecticut
109 branchesNew Jersey
65 branchesMassachusetts
62 branchesDelaware
35 branches
Philadelphia area · 17
- Bear Branch10 Foxhunt Dr, Bear, DE 19701Directions
- Elsmere Branch1309 Kirkwood Hwy, Elsmere, DE 19805Directions
- Hockessin Branch151 Lantana Dr, Hockessin, DE 19707Directions
- West Middletown Branch405 W Main St, Middletown, DE 19709Directions
- Community Plaza Branch287 Christiana Rd, New Castle, DE 19720Directions
- New Castle Branch210 Delaware St, New Castle, DE 19720Directions
- New Castle Drive-In Branch700 Ferry Cut Off St, New Castle, DE 19720Directions
- Newark Branch82 E Main St, Newark, DE 19711Directions
- Suburban Plaza Branch550 Suburban Dr, Newark, DE 19711Directions
- North James Street Branch100 N James St, Newport, DE 19804Directions
- Branmar Plaza Branch1812 Marsh Rd, Wilmington, DE 19810Directions
- Fairfax Branch2301 Concord Pike, Wilmington, DE 19803Directions
- Fox Valley Branch15 W Lea Blvd, Wilmington, DE 19802Directions
- Greenville Center Branch3801 Kennett Pike, Wilmington, DE 19807Directions
- Limestone Road Branch2371 Limestone Rd, Wilmington, DE 19808Directions
- North Union Street Branch1207 N Union St, Wilmington, DE 19806Directions
- Tenth And Market Street Branch1007 N Market St, Wilmington, DE 19801Directions
Seaford area · 13
- Delmar Branch38716 Sussex Hwy, Delmar, DE 19940Directions
- Georgetown Center Branch22205 Dupont Blvd, Georgetown, DE 19947Directions
- Laurel Market Street Branch101 W Market St, Laurel, DE 19956Directions
- Lewes Branch134 2nd St, Lewes, DE 19958Directions
- Lewes Drive-In Branch32547 Lewes Georgetown Highway, Lewes, DE 19958Directions
- Long Neck Branch31860 Long Neck Rd, Long Neck, DE 19966Directions
- Millsboro Branch28529 Dupont Blvd, Millsboro, DE 19966Directions
- Milville Town Center Branch38015 Town Center Dr, Millville, DE 19967Directions
- Milton Front Street Branch107 Front St, Milton, DE 19968Directions
- Rehoboth Avenue Branch302 Rehoboth Ave, Rehoboth Beach, DE 19971Directions
- Rehoboth Branch19511 Camelot Dr, Rehoboth Beach, DE 19971Directions
- Seaford Branch509 W Stein Hwy, Seaford, DE 19973Directions
- Seaford Village Branch22920 Sussex Hwy, Seaford, DE 19973Directions
Dover area · 5
- Dover-Main Branch139 S State St, Dover, DE 19901Directions
- East Lebanon Road Branch1001 E Lebanon Rd, Dover, DE 19901Directions
- Harrington Branch1 Clark St, Harrington, DE 19952Directions
- West Milford Branch673 N Dupont Blvd, Milford, DE 19963Directions
- Smyrna Branch600 Jimmy Dr, Smyrna, DE 19977Directions
Vermont
33 branchesVirginia
24 branchesNew Hampshire
23 branchesMaine
15 branchesDistrict of Columbia
7 branchesFlorida
3 branchesWest Virginia
2 branchesWalk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.51% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 1.35% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 1.40% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $83 | $85 | — |
- CapitalLeverage ratio9.51%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent1.35%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets1.40%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$83Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of M&T Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.