MT Bank Corporation delivered a solid QQ1 2025 despite a dynamic macro backdrop and CRE headwinds. Revenue totaled $3.171 billion with net income of $584 million and diluted EPS of $3.32 in the quarter. The operating environment featured a net interest margin (NIM) of 3.66%, up 8 basis points sequentially, and taxable-equivalent net interest income (NII) of $1.71 billion, reflecting a favorable deposit-cost backdrop and continued securities yield gains. Deposits declined 2% quarter-over-quarter to $161.2 billion, but the firm emphasized that noninterest-bearing deposits held steady and deposit costs fell 27 basis points to 2.37%, supporting margin resilience. Management signaled a constructive, albeit cautious, 2025 outlook, targeting NII of $7.05–$7.15 billion, a mid-to-high-3.60% NIM, and full-year fee income near the high end of $2.5–$2.6 billion. The balance sheet remained highly liquid and well-capitalized, with an estimated CET1 ratio of 11.5% at quarter-end and tangible book value per share up about 2% in the quarter. Asset quality improved: net charge-offs were 34 bps, and nonaccrual loans declined by $150 million to $1.5 billion. In short, MTB executed on capital generation and deposit management while navigating CRE-adjusted loan growth dynamics, maintaining a disciplined approach to risk and a clear path toward the stated 2025 capital and growth objectives.