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 branches
Burlington area · 10
- Two Burlington Square Branch77 Pine St, Burlington, VT 05401Directions
- Malletts Bay Branch794 W Lakeshore Dr, Colchester, VT 05446Directions
- Essex Plaza Branch50 Sunderland Way, Essex Junction, VT 05452Directions
- Milton Branch193 Route 7 S, Milton, VT 05468Directions
- Shelburne Branch10 Shelburne Shopping Park, Shelburne, VT 05482Directions
- Dorset Street Branch99 Dorset St, South Burlington, VT 05403Directions
- Shelburne Road Branch1001 Shelburne Rd, South Burlington, VT 05403Directions
- St. Albans Branch163 N Main St, St. Albans, VT 05478Directions
- Swanton Branch15 Canada St, Swanton, VT 05488Directions
- Taft Corners Branch421 Blair Park Rd, Williston, VT 05495Directions
Brattleboro area · 6
- Bellows Falls Branch25 The Sq, Bellows Falls, VT 05101Directions
- Canal Street Branch479 Canal St, Brattleboro, VT 05301Directions
- Londonderry Branch5700 Vt Route 100, Londonderry, VT 05148Directions
- Newfane Branch597 Vermont Route 30, Newfane, VT 05345Directions
- Putney Branch58 Main St, Putney, VT 05346Directions
- Wilmington Branch29 E Main St, Wilmington, VT 05363Directions
Lebanon area · 5
- Chester Branch57 S Main St, Chester, VT 05143Directions
- Ludlow Branch213 Main St, Ludlow, VT 05149Directions
- Springfield Vt Branch6 Main St, Springfield, VT 05156Directions
- White River Junction Branch190 Maple St, White River Junction, VT 05001Directions
- Woodstock Branch2 The Grn, Woodstock, VT 05091Directions
Barre area · 3
- Barre Branch292 N Main St, Barre, VT 05641Directions
- Montpelier Branch112 State St, Montpelier, VT 05602Directions
- Waterbury Vt Branch80 S Main St, Waterbury, VT 05676Directions
Bennington area · 2
- Bennington Square Branch37 Bennington Sq, Bennington, VT 05201Directions
- Manchester Vt Branch4993 Main St, Manchester Center, VT 05255Directions
Rutland area · 2
- Fair Haven Branch731 Route 22a N, Fair Haven, VT 05743Directions
- Rutland Branch87 West St, Rutland, VT 05701Directions
Middlebury area · 1
- Middlebury Branch114 S Village Grn, Middlebury, VT 05753Directions
Morrisville area · 1
- Morrisville Branch19 Morrisville Plz, Morrisville, VT 05661Directions
Newport area · 1
- Newport Branch59 Main St, Newport, VT 05855Directions
Stowe area · 1
- Stowe Branch1069 Mountain Rd, Stowe, VT 05672Directions
Vergennes area · 1
- Vergennes Branch3 N Maple St, Vergennes, VT 05491Directions
Virginia
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.