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William Penn Bancorporation (William Penn Bancorporation) Net Interest Margin (Bank Only) % : 2.19% (As of Mar. 2024)


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What is William Penn Bancorporation 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. William Penn Bancorporation's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2024 was $16.06 Mil. William Penn Bancorporation's average earning assets for the quarter that ended in Mar. 2024 was $732.62 Mil. Therefore, William Penn Bancorporation's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 was 2.19%.


William Penn Bancorporation Net Interest Margin (Bank Only) % Historical Data

The historical data trend for William Penn Bancorporation'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.

William Penn Bancorporation Net Interest Margin (Bank Only) % Chart

William Penn Bancorporation Annual Data
Trend Jun09 Jun10 Jun11 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.80 3.09 3.60 3.40 3.05

William Penn Bancorporation Quarterly Data
Jun18 Jun19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
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 2.87 2.77 2.57 2.31 2.19

Competitive Comparison of William Penn Bancorporation's Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, William Penn Bancorporation'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.


William Penn Bancorporation's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

* The bar in red indicates where William Penn Bancorporation's Net Interest Margin (Bank Only) % falls into.



William Penn Bancorporation 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).

William Penn Bancorporation's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jun. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Jun. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Jun. 2022 ) + Earning Assets (A: Jun. 2023 ))/ count )
=23.071/( (766.456 + 748.146)/ 2 )
=23.071/757.301
=3.05 %

where

Earning Assets(A: Jun. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=3.807 + 475.511 + 287.138
=766.456

Earning Assets(A: Jun. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=4.157 + 477.543 + 266.446
=748.146

William Penn Bancorporation's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2023 ) + Earning Assets (Q: Mar. 2024 ))/ count )
=16.056/( (729.719 + 735.518)/ 2 )
=16.056/732.6185
=2.19 %

where

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=3.313 + 467.214 + 259.192
=729.719

Earning Assets(Q: Mar. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=3.747 + 478.257 + 253.514
=735.518

* 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. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


William Penn Bancorporation  (NAS:WMPN) 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.


William Penn Bancorporation Net Interest Margin (Bank Only) % Related Terms

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William Penn Bancorporation (William Penn Bancorporation) Business Description

Traded in Other Exchanges
N/A
Address
10 Canal Street, Suite 104, Bristol, PA, USA, 19007
William Penn Bancorporation operates as an independent community financial services provider. The bank offers traditional banking and related financial services to individual, business, and government customers. Through its branch and automated teller machine network, the bank offers a full array of commercial and retail financial services, including; the taking of time, savings, and demand deposits; the making of the commercial, consumer, and mortgage loans; and the providing of other financial services.
Executives
Christopher Matthew Molden director C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Kenneth John Stephon director, officer: President & CEO C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET , SUITE 104, BRISTOL PA 19007
Alan B Turner officer: EVP & CLO C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Jeannine Cimino officer: EVP & CRO C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Charles Corcoran director C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Carmody Donald Michael Jr. director C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Glenn Davis director C/O WILLIAM PENN BANCORP, INC., 8150 ROUTE 13, LEVITTOWN PA 19057
Terry L Sager director C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Jonathan Thomas Logan officer: SVP & CFO C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Amy Jean Hannigan officer: EVP & Dir. Corp. Development C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Vincent Peter Sarubbi director C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Jill Mcmenamin Ross officer: EVP & CRCO C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Craig Burton director C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
Parry William B K Jr director C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007
William Charles Niemczura director C/O WILLIAM PENN BANCORPORATION, 10 CANAL STREET, SUITE 104, BRISTOL PA 19007