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 branches
Boston area · 38
- North Main Andover Branch16 N Main St, Andover, MA 01810Directions
- Belmont Center Branch2 Leonard St, Belmont, MA 02478Directions
- Belmont Trapelo Road Branch277 Trapelo Rd, Belmont, MA 02478Directions
- Cabot Street Branch240 Cabot St, Beverly, MA 01915Directions
- Dodge Street Branch63 Dodge St, Beverly, MA 01915Directions
- Back Bay Branch500 Boylston St, Boston, MA 02116Directions
- Boston Cambridge Street Branch218 Cambridge St, Boston, MA 02114Directions
- Boston Seaport Branch123 Seaport Blvd, Boston, MA 02210Directions
- Milk Street Branch50 Milk St, Boston, MA 02109Directions
- Winthrop Center Branch115 Federal St, Boston, MA 02110Directions
- Cambridge Mass Ave Branch485 Massachusetts Ave, Cambridge, MA 02139Directions
- Cambridge Star Market Branch699 Mount Auburn St, Cambridge, MA 02138Directions
- Chelsea Branch357 Beacham St, Chelsea, MA 02150Directions
- Danvers Branch1 Conant St, Danvers, MA 01923Directions
- Federal Street Branch3 Federal St, Danvers, MA 01923Directions
- Lexington Branch46 Bedford St, Lexington, MA 02420Directions
- George Street Lowell Branch10 George St, Lowell, MA 01852Directions
- Malden Branch51 Commercial St, Malden, MA 02148Directions
- Manchester By The Sea Branch11 Summer St, Manchester, MA 01944Directions
- E. Main Marlborough Branch322 Maple St, Marlborough, MA 01752Directions
- Methuen Branch9 Jackson St, Methuen, MA 01844Directions
- West Methuen Branch148 Lowell St, Methuen, MA 01844Directions
- Middleton Branch2 Central St, Middleton, MA 01949Directions
- Needham Branch827 Highland Ave, Needham, MA 02494Directions
- Newton Star Market Branch33 Austin St, Newtonville, MA 02460Directions
- North Andover Branch30 Massachusetts Ave, North Andover, MA 01845Directions
- Peabody Branch2 Central St, Peabody, MA 01960Directions
- Revere Federal Savings And Loan Association Branch310 Broadway, Revere, MA 02151Directions
- Traders Way Branch7 Traders Way, Salem, MA 01970Directions
- Saugus Branch584 Broadway, Saugus, MA 01906Directions
- Hamilton Branch25 Railroad Ave, South Hamilton, MA 01982Directions
- Topsfield Branch38 Main St, Topsfield, MA 01983Directions
- Waltham Branch775 Main St, Waltham, MA 02451Directions
- Waltham Star Market Branch1070 Lexington St, Waltham, MA 02452Directions
- Watertown Square Branch53 Mount Auburn St, Watertown, MA 02472Directions
- Wellesley Branch200 Linden St, Wellesley, MA 02482Directions
- Wilmington Ma Branch247 Main St, Wilmington, MA 01887Directions
- Woburn Branch400 W Cummings Park, Woburn, MA 01801Directions
Springfield area · 13
- Agawam Branch806 Suffield St, Agawam, MA 01001Directions
- Chicopee Branch445 Montgomery St, Chicopee, MA 01020Directions
- East Longmeadow Branch62 Center Sq, East Longmeadow, MA 01028Directions
- Feeding Hills Branch1325 Springfield St, Feeding Hills, MA 01030Directions
- Holyoke-Northampton Branch1830 Northampton St, Holyoke, MA 01040Directions
- Longmeadow Branch670 Bliss Rd, Longmeadow, MA 01106Directions
- Ludlow Branch528 Center St, Ludlow, MA 01056Directions
- East Springfield Branch1077 Saint James Ave, Springfield, MA 01104Directions
- Eastfield Branch1355 Boston Rd, Springfield, MA 01119Directions
- Sixteen Acres Branch1946 Wilbraham Rd, Springfield, MA 01129Directions
- State Street Branch29 State St, Springfield, MA 01103Directions
- Elm Street, West Springfield Branch50 Elm St, West Springfield, MA 01089Directions
- Westfield Branch10 Elm St, Westfield, MA 01085Directions
Worcester area · 6
- Shrewsbury Branch564 Main St, Shrewsbury, MA 01545Directions
- Westborough Branch8 Lyman St, Westborough, MA 01581Directions
- Front Street Branch120 Front St, Worcester, MA 01608Directions
- Goldstar Boulevard Branch75 Gold Star Blvd, Worcester, MA 01605Directions
- Shrewsbury Street Branch491 Shrewsbury St, Worcester, MA 01604Directions
- Tatnuck Square Branch4 Mower St, Worcester, MA 01602Directions
Greenfield area · 3
- Federal Street Branch45 Federal St, Greenfield, MA 01301Directions
- Shelburne Falls Branch90 Bridge St, Shelburne Falls, MA 01370Directions
- South Deerfield Branch28 Elm St, South Deerfield, MA 01373Directions
Amherst Town area · 2
- Amherst Branch25 E Pleasant St, Amherst, MA 01002Directions
- Northampton Branch43 King St, Northampton, MA 01060Directions
Delaware
35 branchesVermont
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.