GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Tectonic Financial Inc (NAS:TECTP.PFD) » Definitions » Net Interest Margin (Bank Only) %

Tectonic Financial (Tectonic Financial) Net Interest Margin (Bank Only) % : 0.97% (As of Mar. 2019)


View and export this data going back to 2019. Start your Free Trial

What is Tectonic Financial 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. Tectonic Financial's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2019 was $2.67 Mil. Tectonic Financial's average earning assets for the quarter that ended in Mar. 2019 was $275.81 Mil. Therefore, Tectonic Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2019 was 0.97%.


Tectonic Financial Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Tectonic Financial'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.

Tectonic Financial Net Interest Margin (Bank Only) % Chart

Tectonic Financial Annual Data
Trend
Net Interest Margin (Bank Only) %

Tectonic Financial Semi-Annual Data
Mar18 Mar19
Net Interest Margin (Bank Only) % - 0.97

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

For the Banks - Regional subindustry, Tectonic Financial'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.


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

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

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



Tectonic Financial 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).

Tectonic Financial's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in . 20 is calculated as

Net Interest Margin (Bank Only) %(A: . 20 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: . 20 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Tectonic Financial's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2019 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2019 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Mar. 2018 ) + Earning Assets (Q: Mar. 2019 ))/ count )
=2.67/( (0 + 275.808)/ 1 )
=2.67/275.808
=0.97 %

where

Earning Assets(Q: Mar. 2018 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

Earning Assets(Q: Mar. 2019 )
=Money Market Investments + Net Loan + Securities & Investments
=2.435 + 254.39 + 18.983
=275.808

* 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 one times the annual (Mar. 2019) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Tectonic Financial  (NAS:TECTP.PFD) 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.


Tectonic Financial Net Interest Margin (Bank Only) % Related Terms

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


Tectonic Financial (Tectonic Financial) Business Description

Comparable Companies
Traded in Other Exchanges
N/A
Address
16200 Dallas Parkway, Suite 190, Dallas, TX, USA, 75248
Tectonic Financial Inc is a financial holding company that offers banking, trust, investment advisory, securities brokerage, and insurance services to high net worth individuals, small businesses, and institutions. It operates through three business segments including Banking; Other Financial Services and HoldCo. The company generates maximum revenue from the Banking segment.
Executives
George L Ball director, officer: Executive Co-Chairman C/O SANDERS MORRIS HARRIS INC 600 TRAVIS #3100 HOUSTON TX 77002
A Haag Sherman director, 10 percent owner, officer: Chairman 600 TRAVIS STREET, SUITE 5900, HOUSTON TX 77002

Tectonic Financial (Tectonic Financial) Headlines

No Headlines