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M&T Bank scores 65 out of 100 on the Agent Readiness Index
M&T Bank reaches level 2, Legible. Web experience is the strongest area at 93 out of 100. Protocol access is the weakest at 0.
M&T Bank was scanned on October 11, 2026. Its score is 65 out of 100, level 2, Legible. An agent can read and cite your content. To reach level 3, Connectable: Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file.
Website: mtb.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 89 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 0 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 80 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 93 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | 88 out of 100, worth 10 points | Do your terms allow agents that act for customers? |
What is holding M&T Bank back
- MCP server, 8 points lost. No MCP server, server card or registry entry was found for this organization. Fix: Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well known/mcp/server card.
- Developer and data sharing program, 4 points lost. No developer portal or data sharing program was found on public pages. Fix: Document the program, the standard in use for example FDX in US banking, the supported partners and a sandbox.
- Passkeys at sign in, 4 points lost. No passkey signal was found on the sign in page or in the published pages read. A prompt that starts only after a person types is not visible to the scan. Fix: Offer passkeys with conditional UI on the sign in page and for step up approvals.
- llms.txt guide for agents, 3 points lost. No llms.txt file was found at the site root. Fix: Publish /llms.txt with links to product, pricing, support and location pages.
What already works
- OAuth and OpenID metadata
- Documented delegate and data sharing controls
- Sign in page loads for a declared agent in a browser
How M&T Bank compares
Ranked 1 of 18 on the Banks leaderboard. The average score for banks is 40.6 out of 100 across 46 organizations. The average across all 1,400 scored organizations is 42.4 out of 100.
Similar organizations
- Paytm, 66 out of 100
- Capital One, 59 out of 100
- PNC, 59 out of 100
- U.S. Bank, 58 out of 100