Bank of N.T. Butterfield & Son Limited (The) (NTB) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning. My name is Debbie and I will be your conference operator today. At this time, I would like to welcome everyone to the third quarter 2025 earnings call for the Bank of NT Butterfield and Son Limited. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star, then one, on a touch-tone phone. To withdraw your question, please press star, then two. I would now like to turn the call over to Noah Fields, Butterfield's Head of Investor Relations. Please go ahead. Thank you. Good morning, everyone, and thank you for joining us. Today, we will be reviewing Butterfield's third quarter 2025 financial results. On the call, I'm joined by Michael Collins, Butterfield's chairman and chief executive officer, Michael Scrum, president and chief financial officer, and Jody Feldman, managing director of Bermuda. Following their prepared remarks, we will open the call up for a question and answer session. Yesterday afternoon, we issued a press release announcing our third quarter 2025 results. The press release and financial statements, along with a slide presentation that we will refer to during our remarks on this call, are available on the investor relations section of the website at www.butterfieldgroup.com. Before I turn the call over to Michael Collins, I would like to remind everyone that today's discussions will refer to certain non-GAAP measures, which we believe are important in evaluating the company's performance. For reconciliation of these measures to U.S. GAAP, please refer to the earnings press release and slide presentation. Today's call and associate...