Butterfield reported full year (FY) 2025 net income of USD 231.9 million, or USD 5.47 per diluted common share. Core net income for FY 2025 was USD 237.5 million, or USD 5.60 per diluted common share. The return on average common equity for FY 2025 was 21.7%, while the core return on average tangible common equity was 24.2%. The efficiency ratio for FY 2025 stood at 59.4%, with a core efficiency ratio of 58.5%. For the fourth quarter (Q4) of 2025, net income was USD 63.8 million. Non-interest income for FY 2025 reached USD 242.9 million, and net interest income before provision for credit losses was USD 364.1 million. Butterfield’s Chairman and CEO, Michael Collins, stated that the bank delivered strong financial results in 2025, with core net income per diluted share increasing 17.4%. He highlighted growth in non-interest income from the bank’s relationship-focused banking and private trust businesses, as well as improvements in net interest income driven by lower deposit costs and higher yielding asset redeployment.

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