M&T Bank began in 1856 when businessmen Pascal Pratt and Bronson Rumsey founded it in Buffalo, New York. The company expanded throughout the 20th century and now serves customers across twelve Eastern states and Washington DC. M&T provides retail and commercial banking services, including checking/savings accounts, loans, and mortgages. Their wealth management division offers investment services and financial planning through Wilmington Trust. The bank maintains a significant regional presence while focusing on community banking relationships.