NTB The Bank of N.T. Butterfield & Son Limited

Margins & Returns

The Bank of N.T. Butterfield & Son Limited, founded in 1858 and headquartered in Hamilton, Bermuda, delivers a broad spectrum of banking and financial services. It caters to individuals and small to medium-sized businesses, offering community, commercial, and private banking solutions. The bank provides a variety of deposit options, including retail and corporate checking, savings, and term accounts, available with or without interest, along with certificates of deposit. Its lending portfolio is extensive, covering residential mortgages, vehicle and consumer financing, credit cards, overdraft facilities, and commercial loans for real estate and other business endeavors. Beyond traditional banking, Butterfield offers investment products, cash and liquidity management, foreign exchange, custody administration, and settlement services. It also extends its offerings to include personal, property, and auto insurance, letters of credit, payroll processing, money market access, advisory services, brokerage, trust and estate management, and company administration. Customers benefit from modern banking conveniences such as debit cards, ATMs, personal and business deposit services, merchant acquiring, and comprehensive mobile and internet banking platforms. The company boasts a significant international presence, operating through various offices in key locations like the Cayman Islands, Guernsey, Jersey, the United Kingdom, The Bahamas, Switzerland, Singapore, Mauritius, and Canada, supplemented by branches in Bermuda and the Cayman Islands.