Bank of N.T. Butterfield & Son Balance Sheet Health
Financial Health criteria checks 4/6
Bank of N.T. Butterfield & Son has total assets of $14.4B and total equity of $1.1B. Total deposits are $12.7B, and total loans are $4.6B earning a Net Interest Margin of 2.8%. It has insufficient allowance for bad loans, which are currently at 4.7% of total loans. Cash and short-term investments are $3.5B.
Key information
13.5x
Asset to equity ratio
2.8%
Net interest margin
| Total deposits | US$12.74b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.7% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$3.45b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: NTB.BH's Assets to Equity ratio (13.5x) is moderate.
Allowance for Bad Loans: NTB.BH has a low allowance for bad loans (12%).
Low Risk Liabilities: 96% of NTB.BH's liabilities are made up of primarily low risk sources of funding.
Loan Level: NTB.BH has an appropriate level of Loans to Assets ratio (32%).
Low Risk Deposits: NTB.BH's Loans to Deposits ratio (36%) is appropriate.
Level of Bad Loans: NTB.BH has a high level of bad loans (4.7%).