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Hanoi Frias

M&T Bank
Hanoi Frias

16 North Main Street
Andover, MA 01810
United States


OUR PURPOSE: Making a difference in people's lives.

Great companies have an enduring sense of purpose. We're driven to help, encourage and enable our customers and communities to thrive. Founded in 1856, we care deeply about those we serve. By asset size, we are a top 20 full-service US-based commercial bank with our combined company, with a mutually long history of community focused banking. 

We are a bank for communities – A bank where you belong.  Being committed to the people we serve means being upfront with the steps we are taking to serve the unique needs of our customers.  We offer straightforward products that are easy to understand.  Our philosophy is based on customer experience not price.  We work with local businesses to offer responsible lending options.  We are thoughtful and transparent with our shareholders' capital.  We listen and work together to provide solutions to meet your needs. 

Tom Howard has 20 years of experience in the financial services industry helping people, businesses, and communities build their dreams, achieve their potential, and protect against their nightmares through a needs-based, client-centered, relationship building approach centered on what is of value to you.