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 branchesVermont
33 branchesVirginia
24 branchesNew Hampshire
23 branchesMaine
15 branches
- Biddeford Branch28 Adams St, Biddeford, ME 04005Directions
- Brunswick Branch112 Maine St, Brunswick, ME 04011Directions
- Falmouth Branch188 Us Route 1, Falmouth, ME 04105Directions
- Kennebunk Branch100 Main St, Kennebunk, ME 04043Directions
- Kennebunkport Branch3 Elm St, Kennebunkport, ME 04046Directions
- Kittery Branch17 Walker St, Kittery, ME 03904Directions
- Kezar Falls Branch129 Federal Rd, Parsonsfield, ME 04047Directions
- Old Port Branch350 Fore St, Portland, ME 04101Directions
- Scarborough Branch439 Us Route 1, Scarborough, ME 04074Directions
- South Berwick Branch8 Norton St, South Berwick, ME 03908Directions
- Mill Creek Branch15 Hinckley Dr, South Portland, ME 04106Directions
- Wells Branch1597 Post Rd, Wells, ME 04090Directions
- Westbrook Branch790 Main St, Westbrook, ME 04092Directions
- Yarmouth Branch233 Main St, Yarmouth, ME 04096Directions
- York Branch11 Woodbridge Rd, York, ME 03909Directions
District 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.