The Bank of N.T. Butterfield & Son (NTB) - 2025 Q2 - Earnings Call Presentation

Financial Performance - The company's net income was $53.3 million, a 5.4% increase compared to Q2 2024[11] - Core net income reached $53.7 million, up 4.4% year-over-year[11] - Return on average common equity was 20.3%, while core return on average tangible common equity was 22.3%[14] - Net interest income increased marginally to $89.4 million[11, 17] - Non-interest income totaled $57.0 million, a decrease of $1.4 million compared to the previous quarter[11, 21] Balance Sheet - Total assets remained stable at $14.185 billion[28] - Total deposits increased to $12.8 billion[30] - The loan-to-deposit ratio was 36%[57] Capital & Dividends - The quarterly cash dividend rate increased by 14% to $0.50 per common share[14] - The company repurchased 1.1 million shares at an average price of $40.69 per share[14] - A new share repurchase authorization was approved for up to 1.5 million common shares[14]