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TEB Bancorp (TEB Bancorp) Net Interest Margin (Bank Only) % : 2.68% (As of Sep. 2023)


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What is TEB 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. TEB Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Sep. 2023 was $8.77 Mil. TEB Bancorp's average earning assets for the quarter that ended in Sep. 2023 was $326.88 Mil. Therefore, TEB Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2023 was 2.68%.


TEB Bancorp Net Interest Margin (Bank Only) % Historical Data

The historical data trend for TEB 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.

TEB Bancorp Net Interest Margin (Bank Only) % Chart

TEB Bancorp Annual Data
Trend Jun18 Jun19 Jun20 Jun21
Net Interest Margin (Bank Only) %
- 3.39 3.36 3.15

TEB Bancorp Quarterly Data
Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Sep22 Sep23
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 2.92 2.98 3.20 3.75 2.68

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

For the Banks - Regional subindustry, TEB 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.


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

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

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



TEB 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).

TEB Bancorp's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jun. 2021 is calculated as

Net Interest Margin (Bank Only) %(A: Jun. 2021 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Jun. 2020 ) + Earning Assets (A: Jun. 2021 ))/ count )
=9.218/( (286.632 + 298.956)/ 2 )
=9.218/292.794
=3.15 %

where

Earning Assets(A: Jun. 2020 )
=Money Market Investments + Net Loan + Securities & Investments
=10.343 + 255.991 + 20.298
=286.632

Earning Assets(A: Jun. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=43.8 + 222.287 + 32.869
=298.956

TEB Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Sep. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Sep. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Sep. 2022 ) + Earning Assets (Q: Sep. 2023 ))/ count )
=8.768/( (0 + 326.875)/ 1 )
=8.768/326.875
=2.68 %

where

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

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0.497 + 298.48 + 27.898
=326.875

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


TEB Bancorp  (OTCPK:TBBA) 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.


TEB Bancorp Net Interest Margin (Bank Only) % Related Terms

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TEB Bancorp (TEB Bancorp) Business Description

Industry
Traded in Other Exchanges
N/A
Address
2290 North Mayfair Road, Wauwatosa, WI, USA, 53226
TEB Bancorp Inc through its subsidiary is involved in banking services. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to four-family residential real estate loans, multifamily residential real estate loans and commercial real estate loans, and, to a lesser extent, consumer loans, construction loans, land and development loans, and commercial and industrial loans.
Executives
Allen J Prochnow director 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
John Udvare officer: Chief Financial Officer 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Rachelle Marquardt director 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Thomas Sattler officer: SVP 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Lauren Poppen officer: Chief Financial Officer 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Otto R Radke director 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
John P Matter director, officer: President and CEO 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Julie A Taylor director 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Charles R Pittelkow director, other: Chairman of the Board 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Jennifer L Provancher director, officer: EVP, COO and CFO 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
William A Behm officer: Chief Credit Officer 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Christopher C Conlon director 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Mhc Teb 10 percent owner 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226
Joseph J Becker director 2290 NORTH MAYFAIR ROAD, WAUWATOSA WI 53226

TEB Bancorp (TEB Bancorp) Headlines

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