M&T Bank is a financial services company based in Buffalo, New York. It operates as the parent company for M&T Bank and affiliated entities, offering a full range of banking and related financial services to individuals, businesses, and government clients. Through its banking network and digital channels, it provides deposits, loans, cash management, payroll services, letters of credit, and payment solutions, as well as consumer and business credit cards. The group also delivers trust, fiduciary, custody, investment management, and insurance agency services through Wilmington Trust and related units. It serves mid- to large-sized commercial and real estate customers with lending, leasing, and advisory capabilities, and offers residential mortgage banking and retail banking products, including deposits, consumer loans, and investment products. Headquartered in Buffalo, the bank operates across multiple states with offices and digital platforms to reach customers, focusing on retail, commercial, and real estate finance along with treasury management and related services.