M&T Bank is preparing to resume commercial real estate (CRE) lending in 2025, after successfully reducing its at-risk CRE debt in 2024. The bank trimmed its CRE loan concentration from 183% to 136% of total debt, cutting troubled debts to $1.7 billion. M&T’s strategy involved full payoffs of high-risk loans, which helped reduce its exposure. The bank reported an 8% rise in net charge-offs in Q4, but a 38% reduction in reserves for credit losses, indicating fewer anticipated losses. M&T plans modest growth in CRE balances in the latter half of 2025, contingent on market conditions and interest rate projections.
M&T Bank
