Vision & Values

We succeed when our employees, customers and shareholders succeed. And it begins with our commitment to understanding what’s important – to everyone.

Our Vision

We strive to be the best company our employees ever work for, the best bank our customers ever do business with, and the best investment our shareholders ever make. 

Our Pledge

To ensure our employees share the same goals of delivering excellent customer experiences, we’ve created a pledge that represents the way we work every day to bring our vision to fruition.

We will work as hard for your money as you do.
We believe hard work results in prosperity. And the only way to make money is to earn it.

We will value your time and your money.
We’ll do our best to make your banking experience easy, fast and simple. We’ll earn your trust – and the right to help you manage your money.

We will never be too big to care.
We’re a pretty big company, made up of pretty great people. But we’re still a hometown bank at heart, and that will show in how we treat you.

We will make our community better.
We believe that the vitality of our communities is vital to our success – and that when our customers and communities succeed, we all succeed.

We will strive to do the right thing.
We think our customers’ goals should be at the forefront of everything we do. That’s how we’ve stayed strong for more than 160 years.

We will be straight with you.
We believe transparency and openness are the best ways to earn your trust.

We will seek to understand what’s important to you.
We seek to understand what is important to our customers, clients and communities – because understanding you means we can provide the help and guidance you need. 

Our Values

For more than 160 years, M&T has taken an active role in our communities, built long-lasting relationships with customers, shown employees they are valued, and delivered conservative management that consistently generates positive earnings for shareholders.

Our commitment to living up to our values and truly “understanding what’s important” have helped make us one of the best performing regional banks in the nation today. 

Understanding What’s Important to Our Communities

At M&T, we understand that when our communities succeed, we all succeed. That’s why we take an active role in our communities.

Through our philanthropic arm, The M&T Charitable Foundation, we support a diverse range of civic, cultural, health and human service organizations with financial grants, employee volunteerism and in-kind services. In 2020, M&T Bank contributed over $34.9 million to more than 2,800 nonprofit organizations across eight states and the District of Columbia to support what is most important in our local communities. We’ve also earned the highest possible Community Reinvestment Act rating on every exam since 1982.

Learn More About M&T’s Community Involvement >

Understanding What’s Important to Our Customers

While we’re big enough to deliver the experience, products and resources of a large bank, M&T is a community bank at heart. So we’re able to deliver the personalized service our customers expect and deserve. We listen carefully to find out what matters most, so we can help guide customers to the financial planning and small business or commercial banking solutions they need.

Our commitment to supporting businesses is consistently demonstrated by our national ranking as one of the the top SBA lenders and #1 ranking in many of the markets we serve.

Hear What Our Customers Are Saying >

Understanding What’s Important to Our Employees

M&T bankers act like they own the place – because they do. More than half of M&T’s employees own stock in the company and are personally invested in the bank’s mission to effectively serve its customers and communities. M&T bankers tend to stick around. On average, our employees have a tenure that’s twice as long as their counterparts at other banks. They are making their careers at M&T a personal investment in the future – part of their long-term plans. And it's easy to see why.

We’ve worked hard to create a culture that is inclusive, progressive and positive because it makes a difference in the way we work together. An environment like this helps inspire a passion and unyielding commitment to doing the right thing – not just for each other, but also for our customers, clients and communities. It's one of the reasons for our success.

In addition to fostering a collaborative atmosphere, we make sure our employees know how much we value them. Extra perks like wellness programs and tuition reimbursement, as well as discounts on cultural activities and sporting events reward employee dedication and emphasize the importance of work-life balance.

Explore M&T Careers >

Understanding What’s Important to Our Shareholders

We have always worked to provide our shareholders with easy access to the performance information they need. From web casting shareholder meetings to email alerts, we make it easy to stay involved and informed.

More importantly, M&T has consistently delivered profitability, strength and stability. We’ve been profitable for 170 consecutive quarters – more than 42 straight years. And M&T is one of only three peer banks to report a profit in every quarter during the Great Recession (2008) and the only peer bank not to cut its dividend through the financial crisis. M&T has never needed to issue supplemental shares to raise capital. We also have a track record of well-executed acquisitions, including Wilmington Trust.

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