GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Eagle Financial Bancorp Inc (OTCPK:EFBI) » Definitions » Net Interest Margin (Bank Only) %

Eagle Financial Bancorp (Eagle Financial Bancorp) Net Interest Margin (Bank Only) % : 3.37% (As of Mar. 2022)


View and export this data going back to 2017. Start your Free Trial

What is Eagle Financial Bancorp Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Eagle Financial Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2022 was $3.88 Mil. Eagle Financial Bancorp's average earning assets for the quarter that ended in Mar. 2022 was $115.18 Mil. Therefore, Eagle Financial Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2022 was 3.37%.


Eagle Financial Bancorp Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Eagle Financial Bancorp's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Eagle Financial Bancorp Net Interest Margin (Bank Only) % Chart

Eagle Financial Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 3.94 3.74 3.33 3.15 3.53

Eagle Financial Bancorp Quarterly Data
Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Dec22
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.22 3.60 3.23 3.37 -

Competitive Comparison of Eagle Financial Bancorp's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Eagle Financial Bancorp's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Eagle Financial Bancorp's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Eagle Financial Bancorp's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Eagle Financial Bancorp's Net Interest Margin (Bank Only) % falls into.



Eagle Financial Bancorp Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Eagle Financial Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2022 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2021 ) + Earning Assets (A: Dec. 2022 ))/ count )
=4.537/( (114.739 + 142.305)/ 2 )
=4.537/128.522
=3.53 %

where

Earning Assets(A: Dec. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 114.739 + 0
=114.739

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 132.205 + 10.1
=142.305

Eagle Financial Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2022 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2021 ) + Earning Assets (Q: Mar. 2022 ))/ count )
=3.884/( (114.739 + 115.621)/ 2 )
=3.884/115.18
=3.37 %

where

Earning Assets(Q: Dec. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 114.739 + 0
=114.739

Earning Assets(Q: Mar. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 115.621 + 0
=115.621

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is four times the quarterly (Mar. 2022) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Eagle Financial Bancorp  (OTCPK:EFBI) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Eagle Financial Bancorp Net Interest Margin (Bank Only) % Related Terms

Thank you for viewing the detailed overview of Eagle Financial Bancorp's Net Interest Margin (Bank Only) % provided by GuruFocus.com. Please click on the following links to see related term pages.


Eagle Financial Bancorp (Eagle Financial Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
6415 Bridgetown Road, Cincinnati, OH, USA, 45248
Eagle Financial Bancorp Inc takes deposits from the general public and invests those deposits in one-to-four-family residential real estate loans, commercial real estate and land loans, construction loans and home equity loans, and lines of credit. The company offers a variety of deposit accounts, including checking accounts, savings accounts, money market demand accounts, and certificates of deposit accounts. It generates the majority of its revenue from financial instruments like loans, and mortgage activities.
Executives
Joseph A. Ventre officer: VP Residential Lending 6581 HARRISON AVENUE, CINCINNATI OH 45247
Wilford R Mccleese officer: Vice President 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Patricia L. Walter officer: EVP 6415 BRIDGETOWN ROAD, CHEVIOT OH 45248
Gary J Koester director, officer: President and CEO 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Kevin R Schramm officer: VP and CFO 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Adam B Goetzman director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Steven C Kehoe director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
James W Braun director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Steven J Dulle director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248
Guy W Cagney director 6415 BRIDGETOWN ROAD, CINCINNATI OH 45248

Eagle Financial Bancorp (Eagle Financial Bancorp) Headlines

No Headlines