Welcome to our dedicated page for Bank of N.T. Butterfield & Son SEC filings (Ticker: NTB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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Bank of N.T. Butterfield & Son Ltd director Andrew Michael Henton has filed a Form 3 reporting his initial holdings in the company. The filing shows beneficial ownership of 667 common shares held directly, with no buy or sell transactions reported in this statement.
Bank of N.T. Butterfield & Son Ltd director Park Meroe Sunhee has reported direct ownership of 1,868 common shares. This filing is an initial statement of holdings and does not show any recent purchase or sale activity, only the size of the director’s reported position.
Bank of N.T. Butterfield & Son Ltd director Ingrid Pierce has filed an initial Form 3 reporting her ownership stake in the company. The filing shows she directly holds 6,539 common shares as of the reported date. This is a disclosure of existing holdings rather than a new purchase or sale.
Bank of N.T. Butterfield & Son Ltd director Alastair William Stewart Barbour has reported an initial holding of 24,927 common shares. The filing classifies this as a direct ownership position. This Form 3 serves to disclose his existing beneficial ownership rather than any new share purchase or sale.
Bank of N.T. Butterfield & Son Ltd director Mark T. Lynch has reported his share ownership in a new Form 3. He directly owns 224,794 common shares and has indirect ownership of 800 additional shares with voting rights and dispositive control. The filing records holdings only and does not report any recent share purchases or sales.
Bank of N.T. Butterfield & Son Ltd director Jana R. Schreuder filed an initial Form 3 reporting her ownership in the company. The filing shows she directly holds 13,235 common shares of Bank of N.T. Butterfield & Son Ltd following the reported position.
The Bank of N.T. Butterfield & Son Limited reports detailed Pillar 3 capital and risk disclosures for the six months ended December 31, 2025, highlighting a very strong regulatory capital and liquidity position under the Basel framework and Bermuda Monetary Authority rules.
Common Equity Tier 1 capital was $1,102.3 million with risk‑weighted assets of $3,991.4 million, giving CET1 and Tier 1 ratios of 27.6% and a total capital ratio of 27.8%, comfortably above minimums and buffers, including a 3% D‑SIB surcharge. The Basel III leverage ratio stood at 7.6% on a leverage exposure of $14,520.7 million.
The bank maintained high liquidity, with a quarter‑end Liquidity Coverage Ratio of 156% and Net Stable Funding Ratio of 149%, both above the 100% regulatory floor. Loans net of allowances were $4,382.4 million, while exposure to purchased securitizations, mainly U.S. government and agency mortgage‑backed securities, was $4,356.9 million.
Defaulted loans were $91.3 million with total allowances for expected credit losses of $25.4 million. The report also details a three‑lines‑of‑defense risk framework, board‑level and executive risk committees, and conservative limits around credit, market, operational and liquidity risks, including CET1, leverage, LCR and NSFR thresholds.
The Bank of N.T. Butterfield & Son Limited has entered into an agreement to acquire Rawlinson & Hunter Guernsey, a licensed trust and corporate service provider in Guernsey. The deal will add approximately 50 colleagues, 71 client groups and $9.0 billion of assets under administration to Butterfield.
The acquisition is intended to expand Butterfield’s Channel Islands presence and strengthen its global trust and fiduciary offering, which currently administers $134.7 billion in assets across multiple jurisdictions. The transaction relates solely to the R&H Guernsey entity and is expected to close in the first half of 2026, subject to customary closing conditions and regulatory approvals.
The Bank of N.T. Butterfield & Son Limited files its Form 20-F annual report as a foreign private issuer, presenting audited U.S. GAAP financials for the three years to December 31, 2025. As at December 31, 2025, there were 39,948,264 common shares outstanding.
The bank highlights its geographic concentration in Bermuda, the Cayman Islands, and the Channel Islands/UK, noting that local macroeconomic downturns, real estate weakness, tourism declines, and limited economic diversification could pressure asset quality, loan demand and earnings. Customer deposits of $12.7 billion (largely short-term) are its primary funding source, making liquidity sensitive to confidence and competition.
Butterfield reports an investment portfolio of $5.7 billion, mainly U.S. government and agency securities, with substantial but improving unrealized losses in both available-for-sale and held-to-maturity books after prior rate hikes. Key risk discussions cover absence of a central bank backstop, deposit insurance scheme costs, climate and severe weather exposure, foreign exchange volatility, ratings dependency, acquisition and integration risk, operational and outsourcing risk, cybersecurity threats, AI-related uncertainties, and evolving ESG and regulatory expectations.
The Bank of N.T. Butterfield & Son Limited reported strong fourth quarter and full year 2025 results, with net income of $231.9 million, or $5.47 per diluted share, and core net income of $237.5 million, or $5.60 per diluted share. Management highlighted that core net income per diluted share rose 17.4% versus 2024, reflecting higher net interest income from lower deposit costs and better investment yields, plus growing fee income from trust, banking, asset management and foreign exchange.
The bank delivered a 2025 return on average common equity of 21.7% and core return on average tangible common equity of 24.2%, while the efficiency ratio improved to 59.4% and the core efficiency ratio to 58.5%. Capital return was very high, with aggregate dividends of $1.88 per share and repurchases of 3.5 million shares for $146.7 million, driving a combined payout ratio approaching 100% of net income. Tangible book value per share increased to $26.41, up from $21.70 a year earlier, and regulatory capital ratios strengthened, including a total capital ratio of 27.8%.