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The Bank of N.T. Butterfield & Son (NTB) investor relations material
The Bank of N.T. Butterfield & Son Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net income for Q3 2025 was $61.1 million ($1.46 per share), with core net income of $63.3 million ($1.51 per share), supported by strong returns on equity and tangible equity, improved efficiency, and higher banking and foreign exchange fees.
Maintained a conservative, stable balance sheet and disciplined capital management, with leading market shares in Bermuda and Cayman Islands and expanding presence in the Channel Islands and international trust services.
Efficiency improved, with the core efficiency ratio at 56.2%, below the 60% target and down from 61.1% in the prior quarter.
Quarterly cash dividend of $0.50 per share declared and 0.7 million shares repurchased for $30.3 million.
Financial highlights
Net interest income for Q3 2025 was $92.7 million, up $3.3 million from Q2 2025 and $4.7 million from Q3 2024, with net interest margin rising to 2.73%.
Non-interest income was $61.2 million, up $4.2 million from Q2 2025, mainly due to higher banking fees and foreign exchange revenue.
Core non-interest expenses decreased by 3.1% sequentially to $88.5 million, reflecting lower salaries, property, and indirect taxes.
Tangible book value per share increased 5.4% to $25.06.
CET1 and total capital ratios were 26.9% and 27.0%, respectively, both up from year-end 2024.
Outlook and guidance
Net interest margin expected to remain stable or expand slightly due to asset repricing and deposit cost management.
Fee income ratio targeted to increase as rates change, with focus on private trusts and potential acquisitions.
Expense run rate projected around $90 million in the near to medium term, with ongoing back-office consolidation and technology investments.
Anticipates improvement in AFS OCI by 31% in the next 12 months and 37% in 24 months, based on implied forward rates.
Management highlighted ongoing focus on efficiency, capital management, and shareholder returns.
What caused the rise in non-accrual loans?
How sustainable is NIM improvement given yield declines?
Explain capital ratio comparability post-Basel change.
Digital asset strategy and client demand?
Future expense management initiatives?
Loan growth drivers by jurisdiction?
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Next The Bank of N.T. Butterfield & Son earnings date
Q4 202512 Feb, 2026
Next The Bank of N.T. Butterfield & Son earnings date
Q4 202512 Feb, 2026
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Frequently asked questions
The Bank of N.T. Butterfield & Son Limited, commonly known as Butterfield, is a full-service bank and wealth management company. It offers a range of personal and business banking services, including deposit accounts, loans, credit cards, and investment management. The company also provides specialized financial services such as trust and estate planning, asset management, and corporate banking. Butterfield operates primarily in Bermuda, the Cayman Islands, and the Channel Islands, serving clients across various sectors including retail, commercial, and institutional markets. The company is headquartered in Hamilton, Bermuda, and its shares are listed on the NYSE.
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