M & T Bank 

M&T Bank Corporation, established in 1856 and headquartered in Buffalo, New York, operates as a comprehensive bank holding company. It delivers a broad spectrum of commercial and retail banking services through its various divisions. The company's Business Banking unit caters to small businesses and professionals with deposit, lending, and cash management solutions. Its Commercial Banking segment provides deposit products, commercial lending and leasing, letters of credit, and cash management services for middle-market and large corporate clients. The Commercial Real Estate division specializes in originating, selling, and servicing commercial real estate loans, alongside offering deposit services. Within its Residential Mortgage Banking segment, M&T Bank offers residential real estate loans to consumers, subsequently selling these loans on the secondary market and acquiring servicing rights for loans originated by other entities. For individual customers, the Retail Banking segment provides demand, savings, and time accounts; consumer installment loans, including auto, recreational, and home equity loans and lines of credit; credit cards; mutual funds; annuities; and other financial services. Additionally, M&T Bank extends its offerings to include trust and wealth management, fiduciary and custodial services, insurance agency operations, institutional brokerage and securities, and investment management. Internally, the Discretionary Portfolio segment manages deposits, various securities, residential real estate loans, and other assets, alongside handling short and long-term borrowed funds and foreign exchange transactions. Customers can access the company's services via banking offices, specialized business banking centers, telephone and internet banking platforms, and automated teller machines. By the close of 2021, M&T Bank Corporation operated 688 domestic banking branches across New York, Maryland, New Jersey, Pennsylvania, Delaware, Connecticut, Virginia, West Virginia, and the District of Columbia, in addition to a full-service commercial banking office in Ontario, Canada.