M&T Bank Corporation (MTB)

A regional bank, Northeast and Mid-Atlantic. Read October 19, 2026 from the annual report for the period ending December 31, 2025, filed February 18, 2026. Ranked 5 of the 44 Financial Services companies read so far, by the share within reach now.

A bank whose filing states its full-time and part-time counts, where its employees live and how many serve its branch network, so one banking pattern carries the summed total.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 40% now, 58% at the end of 2027, 66% at the end of 2028, 68% at the end of 2030. By the patterns, the work is about 68% desk work, 23% people work and 9% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 32% of the working time stays with people (conversation, in-person and hands-on work), 60% becomes checking a model's work and 6% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

22,278 employees as of December 31, 2025 (sum of stated parts). 148 international employees, predominantly in the United Kingdom, Ireland, Canada and Germany, of 22,278 full-time and part-time employees; the rest are in the United States.

The filing: “As of December 31, 2025, the Company employed 21,839 full-time and 439 part-time employees.”

The workforce as industry patterns

What the filing says about the workforce: 21,839 full-time and 439 part-time employees; about 47% reside in New York, 10% in Maryland, 9% in Connecticut, 7% each in Pennsylvania and Delaware and 12% in other states where it operates, with about 8% outside its retail banking footprint including 148 international employees; 5,473 employees support customers in the retail banking office network; average tenure 9.5 years.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Credit Intermediation and Related Activities (5221 and 5223 only), largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five.

• JPMorgan Chase (JPM, 318,512 employees)37% now, 68% by 2028
• Citigroup (C, 226,000 employees)38% now, 68% by 2028
• Bank of America (BAC, 213,000 employees)39% now, 67% by 2028
• Wells Fargo (WFC, 205,000 employees)39% now, 67% by 2028
• Capital One Financial Corporation (COF, 76,300 employees)40% now, 66% by 2028
• U.S. Bancorp (USB, 68,520 employees)40% now, 66% by 2028
• The PNC Financial Services Group, Inc. (PNC, 55,333 employees)40% now, 66% by 2028
• Mastercard Incorporated (MA, 39,800 employees)40% now, 66% by 2028

What the filing says about AI

17 sentences in the filing name AI. The filing's AI sentences are risk factors: the development and use of AI, including by third parties, presents risks and challenges, and new technologies including advances in robotic process automation and AI could significantly affect competition for financial services.

• “Term Definition AI Artificial Intelligence AML Anti-Money Laundering Basel III Basel Committee's December 2010 final capital framework for strengthening international capital standards Bayview Financial Bayview Financial Holdings, L.P. together with its affiliates BHC Bank holding company BHCA Bank Holding Company Act of 1956, as amended BLG Bayview Lending Group, LLC BSA Bank Secrecy Act Capit...”
• “The development and use of AI, including by third parties, presents risks and challenges that may adversely impact M&T.”
• “In addition, the emergence, adoption and evolution of new technologies that do not require intermediation, including distributed ledgers such as digital assets and blockchain, as well as advances in robotic process automation and AI, could significantly affect the competition for financial services.”
• “Information security risks for large financial institutions such as M&T have increased significantly in recent years in part because of the proliferation of new technologies, such as AI and digital and mobile banking to conduct financial transactions, the increased connectivity of third parties (including contractors) and electronic devices to the Company's systems, and the increased sophistica...”
• “Further, cybersecurity and information security risks for financial institutions have generally increased because of, among other things, the growth of new technologies (including AI), the use of the Internet and telecommunications technologies (including computers, smartphones, and other mobile devices outside the Company's systems) by customers to conduct financial transactions, and the incre...”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 20210median 0
• Fiscal 20220median 0
• Fiscal 20230median 1
• Fiscal 202416median 4
• Fiscal 202517median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The headcount is the sum of the stated full-time and part-time counts (rule 2).
• One pattern by description (c); the retail banking office count is a function count, not a split between industries.

Source: the company's annual report on EDGAR, accession 0000036270-26-000010, the filing. Read by Claude Fable 5.1 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.