GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » CapStar Financial Holdings Inc (NAS:CSTR) » Definitions » Net Interest Margin (Bank Only) %

CapStar Financial Holdings (CapStar Financial Holdings) Net Interest Margin (Bank Only) % : 2.95% (As of Dec. 2023)


View and export this data going back to 2016. Start your Free Trial

What is CapStar Financial Holdings 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. CapStar Financial Holdings's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $78.9 Mil. CapStar Financial Holdings's average earning assets for the quarter that ended in Dec. 2023 was $2,670.6 Mil. Therefore, CapStar Financial Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 2.95%.


CapStar Financial Holdings Net Interest Margin (Bank Only) % Historical Data

The historical data trend for CapStar Financial Holdings'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.

CapStar Financial Holdings Net Interest Margin (Bank Only) % Chart

CapStar Financial Holdings Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.81 3.50 3.59 3.64 3.17

CapStar Financial Holdings Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
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 3.64 3.33 3.23 2.99 2.95

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

For the Banks - Regional subindustry, CapStar Financial Holdings'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.


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

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

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



CapStar Financial Holdings 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).

CapStar Financial Holdings's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2022 ) + Earning Assets (A: Dec. 2023 ))/ count )
=85.881/( (2752.455 + 2660.372)/ 2 )
=85.881/2706.4135
=3.17 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=21.099 + 2333.7 + 397.656
=2752.455

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=23.334 + 2277.718 + 359.32
=2660.372

CapStar Financial Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2023 ) + Earning Assets (Q: Dec. 2023 ))/ count )
=78.888/( (2680.854 + 2660.372)/ 2 )
=78.888/2670.613
=2.95 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=22.355 + 2304.475 + 354.024
=2680.854

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=23.334 + 2277.718 + 359.32
=2660.372

* 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 (Dec. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


CapStar Financial Holdings  (NAS:CSTR) 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.


CapStar Financial Holdings Net Interest Margin (Bank Only) % Related Terms

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


CapStar Financial Holdings (CapStar Financial Holdings) Business Description

Traded in Other Exchanges
N/A
Address
1201 Demonbreun Street, Suite 700, Nashville, TN, USA, 37203
CapStar Financial Holdings Inc is a bank holding company for CapStar Bank. The products and services offered by the bank include commercial and industrial loans to small and medium-sized businesses, commercial real estate loans, private banking and wealth management services, correspondent banking services, and various other retail and consumer products. The company's primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments.
Executives
Alison Lee Jefferson officer: Interim Prin. Acctg. Officer 406 11TH AVENUE NORTH, SUITE 200, NASHVILLE TN 37203
Michael J Fowler officer: See Remarks 100 NORTH MAIN STREET, GREENEVILLE TN 37743-4992
William Tilden Delay director 115 LYNNWOOD TERRACE, NASHVILLE TN 37205
Harrison Frist director C/O KHOSLA VENTURES ACQUISITION CO. III, 2128 SAND HILL RD, MENLO PARK CA 94025
Thomas R. Flynn director 606 DEEPWOOD DRIVE, HOPKINSVILLE KY 42240
Kenneth E Webb officer: EVP of Bank Operations 6226 BROWNLEE DRIVE, NASHVILLE TN 37205
Jeffrey L Moody officer: Principal Accounting Officer CAPSTAR FIN. HOLDINGS INC-BRENT BINNS, 1201 DEMONBREUN STREET, SUITE 700, NASHVILLE TN 37203
Amy C Goodin officer: Chief Risk Officer CAPSTAR FIN. HOLDINGS INC-BRENT BINNS, 1201 DEMONBREUN STREET, SUITE 700, NASHVILLE TN 37203
Turner James S. Jr. director 138 2ND AVENUE NORTH, NASHVILLE TN 37201
Denis J. Duncan officer: See Remarks 1201 DEMONBREUN STREET, SUITE 700, NASHVILLE TN 37203
Sam B. Devane director CAPSTAR FIN. HOLDINGS INC.-BRENT BINNS, 1201 DEMONBREUN STREET, SUITE 700, NASHVILLE TN 37203
Kevin Lambert officer: Chief Credit Officer CAPSTAR FIN. HOLDINGS INC-BRENT BINNS, 1201 DEMONBREUN STREET, SUITE 700, NASHVILLE TN 37203
Valora S. Gurganious director CAPSTAR FIN. HOLDINGS INC.-BRENT BINNS, 1201 DEMONBREUN STREET, SUITE 700, NASHVILLE TN 37203
Christopher G Tietz officer: See Remarks 185 EAST MARKET STREET, ATTN: LEGAL DEPARTMENT, WARREN OH 44481
Capstar Financial Holdings, Inc. officer: Chief Financial Officer 1201 DEMONBREUN STREET, SUITE 700, SUITE 700, NASHVILLE TN 37203