# 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](https://www.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

1. **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.
2. **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.
3. **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.
4. **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](https://readyindex.ai/leaderboard_banks). The average score for banks is 40.6 out of 100 across 46 organizations. The average across all 1,421 scored organizations is 42.2 out of 100.

## Similar organizations

- [Paytm](https://readyindex.ai/paytm_com), 66 out of 100
- [Capital One](https://readyindex.ai/capitalone_com), 59 out of 100
- [PNC](https://readyindex.ai/pnc_com), 59 out of 100
- [U.S. Bank](https://readyindex.ai/usbank_com), 58 out of 100

## More on this report

- [This report as markdown](https://readyindex.ai/mtb_com.md)
- [This report as JSON data](https://readyindex.ai/api/reports/mtb_com)
- [How the score is worked out](https://readyindex.ai/method)
- [All leaderboards](https://readyindex.ai/leaderboards)
- [Every scored organization](https://readyindex.ai/organizations)
- [Scan your own website](https://readyindex.ai/)

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Source: https://readyindex.ai/mtb_com
Updated: 2026-10-11
From the Agent Readiness Index by Encore AI. When you quote a score, please link to the report it came from.