Butterfield Bank—formally The Bank of N.T. Butterfield & Son Limited—is a Bermuda-headquartered full-service bank and wealth manager. It earns revenue from conventional banking (deposits, lending, payments and cash management) and from wealth services such as trust administration, private banking, asset management and custody. Those businesses operate through Bermuda, the Cayman Islands, the Channel Islands and the UK, plus smaller operations in other jurisdictions.
What Butterfield Bank is
Butterfield combines two financial businesses in one group. Its banking operation gathers deposits from individuals, companies and institutions, then provides mortgages, business loans, payment services, cards, foreign exchange and cash-management tools. Its wealth-management operation handles fiduciary and investment needs, including trusts, private banking, managed portfolios and custody.
As an Amazon Associate I earn from qualifying purchases.
The combination matters because a client may need more than a current account or a loan. An individual might use everyday banking and later need estate planning; a family office may need custody and investment management; a company may require deposits, payments and treasury services. Butterfield’s model is designed to keep those relationships within one regulated organization, although the products and eligibility available to a customer depend on the local jurisdiction.
Windows Errors? Fix Them Before They Spread
Repair common Windows errors and clear accumulated junk for a smoother, more stable PC - no reinstall needed.Free scan · no reinstallCrashes, No Sound, or Screen Glitches?
Random freezes, missing sound and display glitches usually trace back to one bad driver. Find and replace yours safely.Free scan · under a minuteHow Butterfield makes money
Banking: interest income and service fees
Banks generally earn net interest income by paying interest or other compensation on deposits and lending or investing those funds at higher yields. Butterfield accepts personal, business and institutional deposits and makes residential mortgages, commercial mortgages, small and medium-sized business loans and corporate loans. It also invests in financial assets and manages liquidity. The difference between what earning assets generate and what funding costs is a central banking profit driver.
#1 Best Overall
- Compact & Portable Design: This Small Excel, Word, PowerPoint, & Windows Cheat Sheet Mouse Pad measures 11.8" x 9.8", offering a portable mouse pad. Its compact size fits in bags or laptop cases, suitable for professionals, students, or travelers.
- Multi-Software Shortcut Guide: Featuring essential shortcut keys for Excel, Word, PowerPoint, & Windows, this small mouse pad provides a quick reference for frequently used shortcuts, offering a reference designed to support workflow efficiency
- Smooth & Precise Surface: The finely-textured surface ensures precise mouse control, allowing for smooth and accurate movement during work or gaming sessions.
- Durable & Non-Slip Design: This Multi-Software Shortcut Mouse Pad features stitched edges to reduce fraying. The non-slip rubber base helps keep it securely in place, and the water-resistant fabric allows for easier maintenance.
- Clear Print Quality: Displays high-resolution printing intended to remain legible through regular use and cleaning
Banking also produces non-interest income. Examples include card and payment charges, merchant-acquiring services, foreign-exchange activity, account and transaction fees, treasury services and cash-management services. The exact contribution of each activity changes with interest rates, deposit behavior, loan demand, credit costs and transaction volumes.
In its fiscal-year 2025 results, Butterfield said net interest income benefited partly from lower deposit costs and redeployment of funds into higher-yielding assets. That is management’s explanation for that year’s performance, not a permanent guarantee: deposit pricing and asset yields move as market conditions change.
Wealth management: fee-based fiduciary and investment services
Trust administration, private banking, asset management and custody give Butterfield revenue streams that are not dependent solely on lending spreads. These services commonly generate fees for administration, advice, portfolio management, safekeeping and related work.
The Tool Desk
Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →- Trust and fiduciary services: administration for estate and succession planning, complex asset structures, family affairs, pensions, employee-benefit arrangements and other customized fiduciary mandates.
- Private banking: a dedicated banker who can coordinate deposits, lending, cash management, foreign exchange, custody, asset management and trust services for clients with more complex needs.
- Asset management: discretionary and managed portfolios, money-market and mutual-fund offerings, advisory mandates and self-directed brokerage options.
- Custody: safekeeping, recordkeeping and related administration for securities and other client assets.
Butterfield’s FY2025 release attributed higher non-interest income to relationship-focused banking and growth in private trust, and also referred to increased asset-management fees. The company does not present those activities as a single simple fee percentage of total revenue, so a precise interest-versus-fee split should not be inferred from segment figures or asset totals.
Rank #2
- [MULTIFUNCTIONAL]You'll get 2 pieces computer monitor memo boards that you can stick on the left and right edges of your monitor, and they're the perfect office desk organizers and accessories. Computer monitor side panels desktop organizer are suitable for home work or office,bringing convenience. Desktop memo is used to organize meeting memos, important messages, business cards, planning notes.Paste on the message board to keep track of important things and to-do items to prevent forgetting.
- [🌟HIGHLY QUALITY] The material of computer screen side note holder is transparent acrylic. Durable, simple, stylish, light weight, easy to use, not easy to fall off or break. This cute office supplies for women desk can be used for a long time. This computer desk accessories is waterproof and dirt resistance, and look simple and stylish. The transparent acrylic sticky note holder as cubicle accessories is easy to notice the context of your sticky notes.
- [📋Easy to use] Office must haves cool office gadgets for desk ready to tear, easy to install and remove, not easy to leave traces. You only need to peel off the protective film on the surface of the computer side board memo, wipe off the dust on the edge of the computer monitor, and then stick the desk essentials for women office on the right or left side of the tape, and you're done. A perfect gift for your colleagues, friends or classmates and family members or relatives
- [🏢MULTI-SCENE USE] This desk supplies computer memo board can be applied to home and office, clear your office decor for women, suitable for most computer monitors, screens and cabinets, you can put it where you think, this cute office decor serve as a reminder. Stick on the computer side. It’s a good office gadgets can remind work improve office productivity. Pasted cabinets, dressers, refrigerators, walls, etc as cubicle accessories. To make life more orderly.
- [💌NOTE] The adhesive force of the computer sticky note holder is very strong. It can not be directly pasted on the computer screen. It should pasted on the black edge of the screen. Narrow edge not recommended!!! If you are not satisfied with your purchase, or if the product is damaged or broken in transit, please let us know immediately. We will promptly solve your problem.
What services Butterfield offers
Personal banking
Depending on location, personal customers may find deposit accounts, residential mortgages, cards, payment services, foreign exchange, mobile banking and internet banking. A local branch or online channel may not provide every product offered elsewhere in the group.
Business and institutional banking
Businesses and institutions can use operating accounts, deposits, commercial mortgages, SME and corporate credit, cards, merchant acquiring, payment rails and cash-management tools. Butterfield identifies captive insurers, reinsurers, trust companies, hedge funds, financial intermediaries, funds and institutional and corporate clients among the markets it serves.
Trust and fiduciary administration
A trust relationship can involve administering assets, following a trust deed, handling distributions, maintaining records and coordinating tax, legal or family-governance requirements with the client’s advisers. Butterfield describes its trust business as supporting estate and succession planning, complex asset administration, family affairs, pension and employee-benefit services and tailored fiduciary structures. The appropriate structure, duties and costs depend on governing law and the engagement letter.
Private banking
Private banking is not simply a larger deposit account. Butterfield describes a relationship model in which a dedicated banker can connect banking, lending, cash management, foreign exchange, custody, asset management and trust capabilities. Eligibility, minimums, pricing and product availability are jurisdiction-specific.
Rank #3
- Stay Organized with Ease: Our To Do List Notepad provides multiple sections with plenty of space to jot down all of your important tasks.A versatile office supply perfect for daily task management, helping you keep track of everything that needs to be done and prioritize effectively.
- Achieve Your Productivity Goals: Begin each day on a positive note, reminding you of your potential, strength, and the significance of staying focused on your goals. Our Daily Checklist Notepad is the ultimate tool to streamline your daily planning and elevate your productivity. With a clear and concise overview of your tasks, you can effortlessly prioritize what truly matters and make consistent strides towards achieving your goals.
- Reliable and Stylish: Our to do list planner combines functionality with durability. With a transparent PP cover, the inner pages are well-protected from dirt and wear. Additionally, the back cover is crafted with thick paperboard, offering a stable surface for your writing needs. Each notepad includes 52 pages of high-quality, 100gsm paper, which is thick and non-bleeding, resulting in a smooth and enjoyable writing experience.
- Versatile Use: This daily checklist notepad, suitable for teacher supplies and a wide range of applications, proves invaluable in various settings including work, school, and home. Whether you need to organize your daily tasks, plan a project, or create a grocery list, this notepad serves as the ideal tool. Its compact size ensures easy portability, allowing you to conveniently carry it with you throughout your day.
- Perfect Present for Anyone: Our Daily To-Do List Notepad is the perfect present for those who value organization and productivity. With its stylish design and versatility, this office desk accessory is also a practical addition to school supplies. Suitable for students, professionals, and homemakers alike, it helps keep tasks and priorities in check effortlessly.
Asset management and custody
Asset-management clients can use discretionary or managed portfolios, advisory services, money-market and mutual-fund products, or self-directed brokerage options. Custody clients use the bank to hold and administer securities and related records. Assets held or administered for clients are not the same as Butterfield’s own balance-sheet assets.
Where Butterfield operates
Butterfield’s annual reporting groups its principal activities into four reporting segments plus an “Other” segment:
| Reporting segment | 2025 net revenue | Geographic and service context |
|---|---|---|
| Bermuda | $273.7 million | Banking and wealth-management services in Butterfield’s home market |
| Cayman | $197.4 million | Banking and wealth-management services in the Cayman Islands |
| Channel Islands and UK | $114.6 million | Guernsey, Jersey and the UK; broad banking and fiduciary/wealth services, with high-value residential mortgage lending in the UK |
| Other | $46.6 million | Smaller operations and activities; segment amount is before inter-segment eliminations |
The company’s profile also identifies operations in The Bahamas, Canada, Mauritius, Singapore and Switzerland. The segment totals above are geographic reporting amounts before inter-segment eliminations, not a ranking of product profitability or a promise that every service is available in every location.
Free tools Windows power users keep installed
One-click scans. No signup required.
Butterfield’s scale at December 31, 2025
The following figures are dated balance-sheet or client-asset measures from Butterfield’s 2025 reporting. They are not live balances and should not be treated as current after that date.
Rank #4
- 【Adjustable & Ergonomic】：This laptop stand can be adjusted to a comfortable height and angle according to your actual needs, letting you fix posture and reduce your neck fatigue, back pain and eye strain. Very comfortable for working in home, office and outdoor.
- 【Sturdy & Protective】 ：Made of sturdy metal, it can support up to 17.6 lbs (8kg) weight on top; With 2 rubber mats on the hook and anti-skid silicone pads on top & bottom, it can secure your laptop in place and maximum protect your device from scratches and sliding. Moreover, smooth edges will never hurt your hands.
- 【Heat Dissipation】 ：The top of the laptop stand is designed with multiple ventilation holes. The open design offers greater ventilation and more airflow to cool your laptop during operation other than it just lays flat on the table.
- 【Portable & Foldable】：The foldable design allows you to easily slip it in your backpack. Ideal for people who travel for business a lot.
- 【Broad Compatibility】：Our desktop book stand is compatible with all laptops from 10-15.6 inches, such as MacBook Air/ Pro, Google Pixelbook, Dell XPS, HP, ASUS, Lenovo ThinkPad, Acer, Chromebook and Microsoft Surface, etc.Be your ideal companion in Home, Office & Outdoor.
| Measure | Reported amount | What it represents |
|---|---|---|
| Total assets | $14.1 billion | Butterfield’s reported assets at December 31, 2025 |
| Net loans | $4.4 billion | Loans on the balance sheet, net of applicable deductions |
| Total deposits | $12.7 billion | Customer and other deposits at December 31, 2025 |
| Trust business assets under administration | $134.7 billion | Client assets administered by the trust business; not assets owned by the bank |
| Custody business assets under administration | $32.3 billion | Client assets administered or held in custody; not the bank’s own assets |
| Assets under management | $6.9 billion | Assets managed under investment mandates; a different measure from AUA |
Butterfield reported that its deposit mix was 50% US dollars, 21% US-dollar-pegged currencies and 23% pounds sterling. Those disclosed categories total 94%, so they should not be read as a complete description of every deposit currency.
Do not add the $134.7 billion of trust AUA, $32.3 billion of custody AUA and $6.9 billion of AUM. AUA and AUM can cover overlapping client assets, and neither measure means Butterfield owns that money.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.2025 financial performance
For the year ended December 31, 2025, Butterfield reported:
Do these 3 things before closing this tab:
1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problems- $606.8 million net revenue after provision for credit losses and other gains or losses.
- $231.9 million net income.
- $237.5 million core net income. Core net income is a company-defined non-GAAP measure and is not identical to reported net income.
For comparison, the company reported $216.3 million net income and $218.9 million core net income for 2024. Chief Executive Officer and Chairman Michael Collins said: “Our relationship-focused banking and private trust businesses increased non-interest income, while net interest income benefited from lower deposit costs and higher yielding asset redeployment.” He also said that core net income per diluted share increased 17.4% year over year in 2025. These are company-reported results and commentary for that fiscal year.
Best Value
- Twin-Ball Design : Hiacry gel pen features a double ball conical tip that reduces writing resistance and provides a stable and smooth writing experience. 0.7mm quick drying black ink ensures no jumping, leakage or seepage.
- Quick-Dry Long Lasting Ink：0.7mm black ink can slide effortlessly, dry immediately, & is not easily dirty. It has a high-capacity reservoir (up to 1300 meters), which is very suitable for left-handed & right-handed users.
- Sleek Design for Journaling & Planning: Engineered with a low center of gravity and precision tip for steady ink flow, these journaling pens excel at note-taking, sketching, planning, and more. They combine stylish pens with top-tier performance.
- Rolling Ball Design：The pocket clip with roll ball design can be easily attached to notebook pockets and binders, in addition, the fidget on the pen clip is also a small toy for your daily thinking to relieve stress.
- Comfortable Non-Slip Grip：The ergonomic pen barrel has a soft rubberized coating for a comfortable, non-slip grip, so you won't get fatigued even after long hours of writing.
How the geographic model affects a customer
Butterfield is not one uniform consumer proposition worldwide. A customer’s experience depends first on the legal entity and jurisdiction serving the account.
- Regulatory framework: The bank is incorporated under Bermuda law, licensed under Bermuda’s Banks and Deposit Companies Act 1999 and regulated by the Bermuda Monetary Authority. Local subsidiaries and branches are subject to the rules that apply where they operate.
- Product availability: A mortgage, trust service, investment option or digital feature offered in Bermuda may not be offered in Cayman, Guernsey, Jersey or the UK.
- Pricing: Interest rates, account charges, foreign-exchange spreads, lending fees and fiduciary fees vary by market and customer circumstances.
- Currency: The group handles multiple currencies, but an account’s supported currencies and conversion terms are set by its local terms.
Butterfield’s banking page lists services in Bermuda, the Cayman Islands, Guernsey and Jersey and notes that its personal and corporate Schedule of Charges was updated effective January 2, 2026. Before opening or changing an account, use the current schedule and terms for the relevant jurisdiction rather than relying on a fee quoted for another market.
How to evaluate Butterfield for your needs
- Identify the serving jurisdiction. Confirm whether the account or mandate will be with Bermuda, Cayman, Guernsey, Jersey, the UK or another local operation.
- Define the primary need. Separate everyday deposits and payments, borrowing, treasury and cash management, trust administration, investment management or custody.
- Check eligibility. Ask about residency, entity type, minimum balances, source-of-funds documentation, lending security and any private-banking or fiduciary requirements.
- Compare the full price. Review interest rates, account and transaction fees, foreign-exchange costs, loan charges, custody or management fees and trust-administration fees together.
- Test access and controls. Confirm branch coverage, banker access, mobile and online features, payment cut-off times, reporting, approvals and support arrangements.
- Read the local legal documents. Deposit protection, complaints procedures, investment risks, fiduciary duties and governing law can differ by entity and product.
What Butterfield’s model means for risk and resilience
The two-engine model diversifies revenue: lending and deposits are influenced by interest rates and credit performance, while trusts, custody and asset management are influenced by client assets, markets and fee activity. Diversification does not remove risk. Lower rates can compress lending spreads; higher funding costs can raise deposit expense; weak economies can increase credit losses; and falling markets can reduce assets under management and related fees.
What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
Concentration is another consideration. Bermuda, Cayman and the Channel Islands/UK account for the principal reporting segments, so economic, regulatory or property-market conditions in those locations can affect results. The UK business is specifically described as including high-value residential mortgage lending, which has different exposure from a broad mass-market mortgage book.
What the published figures do—and do not—tell you
Segment net revenue shows where the group reports revenue geographically; it does not show a clean banking-versus-wealth split. Net loans and deposits describe balance-sheet funding and lending, while trust AUA, custody AUA and AUM describe client assets administered, safeguarded or managed. Using those numbers to claim that one service line is larger, safer or more profitable than another would go beyond what the published measures establish.
Financial materials are dated disclosures. Butterfield’s report index lists 2026 quarterly results and warns that financial information speaks only as of its stated date. If you are making a current decision, check whether a later quarterly filing, results release or material announcement has superseded the FY2025 figures.
Bottom line
Butterfield Bank is a regulated Bermuda-based group that combines deposit-taking and lending with trust, private banking, asset management and custody. Its banking side earns interest and transaction income; its wealth side adds fiduciary and investment fees. The model is relationship-led and geographically focused on Bermuda, Cayman, the Channel Islands and the UK, with additional smaller operations. Whether it is suitable for a particular person or organization depends on the local entity, eligibility, service requirement, total fees, rates and access—not on the group-wide headline figures alone.
Recommended Free Tools
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
