BANK
LOWER RATE THAN 52% OF SCORED PEERS
Complaint rate · per 1,000 customersscale 0–10
Sector median 1.20 · Lowest in dataset 0.21
A lower federal complaint rate per customer than 52.7% of scored peers — though sub-signal observations remain on record.
Methodological confidence: DIRECTIONAL · n=8,709 complaints over 14 years
Customer ratio
—
customers filed a federal complaint
Resolved with relief
20%
received monetary or non-monetary relief
Daily volume
1.7
complaints per day · 2011–2025 average
2.4× the rate of WEBSTER BANK, NATIONAL ASSOCIATION (lowest); lower rate than 52.74% of 45 scored institutions.
Where complaints concentrate · top 3 product categories
Mortgages
0.23/1k
3,962
Checking & savings
0.15/1k
2,491
Money transfers
0.02/1k
300
5 nearest rates in scored dataset
0.48/1k
0.49/1k
0.51/1k
0.53/1k
0.54/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
M&T BANK CORPORATION performs slightly below the industry benchmark.
A rate of 0.51 per 1,000 customers is above the threshold we consider low-risk (0.50). While not among the worst performers, there are better-rated alternatives available. Complaint rates are normalised across 8,709 total complaints and estimated customer counts, making comparisons fair across institutions of all sizes.
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Check the complaint categories below to see where this institution receives the most criticism, and compare against alternatives before committing.
FULL RECORD
Complaint Profile
Rate / 1,000 customers0.51/1k
Total complaints (2011–2025)8,709
Timely response rate99.5%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate-0.20%✓ healthy
Tier 1 capital ratio291.5%✓ adequate buffer
Loan loss reserve ratio1.20%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$600.00M
DFAST stress test (Fed)8.6% CET1 stressed
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCivil Money PenaltyCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
17%
12%
9%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $600M
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›