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Peoples Bancorp (Marietta OH) (Peoples Bancorp (Marietta OH)) Net Interest Margin (Bank Only) % : 4.75% (As of Dec. 2023)


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What is Peoples Bancorp (Marietta OH) 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. Peoples Bancorp (Marietta OH)'s annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $353.5 Mil. Peoples Bancorp (Marietta OH)'s average earning assets for the quarter that ended in Dec. 2023 was $7,436.5 Mil. Therefore, Peoples Bancorp (Marietta OH)'s annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 4.75%.


Peoples Bancorp (Marietta OH) Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Peoples Bancorp (Marietta OH)'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.

Peoples Bancorp (Marietta OH) Net Interest Margin (Bank Only) % Chart

Peoples Bancorp (Marietta OH) 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 3.78 3.44 3.38 4.21 5.01

Peoples Bancorp (Marietta OH) Quarterly Data
Jun19 Sep19 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 4.77 5.00 5.04 4.75 4.60

Competitive Comparison of Peoples Bancorp (Marietta OH)'s Net Interest Margin (Bank Only) %

For the Banks - Regional subindustry, Peoples Bancorp (Marietta OH)'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.


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

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

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



Peoples Bancorp (Marietta OH) 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).

Peoples Bancorp (Marietta OH)'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 )
=339.374/( (6062.712 + 7491.241)/ 2 )
=339.374/6776.9765
=5.01 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 4319.492 + 1743.22
=6062.712

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5695.841 + 1795.4
=7491.241

Peoples Bancorp (Marietta OH)'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 )
=353.476/( (7381.852 + 7491.241)/ 2 )
=353.476/7436.5465
=4.75 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5621.53 + 1760.322
=7381.852

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5695.841 + 1795.4
=7491.241

* 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.


Peoples Bancorp (Marietta OH)  (NAS:PEBO) 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.


Peoples Bancorp (Marietta OH) Net Interest Margin (Bank Only) % Related Terms

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Peoples Bancorp (Marietta OH) (Peoples Bancorp (Marietta OH)) Business Description

Traded in Other Exchanges
N/A
Address
138 Putnam Street, PO Box 738, Marietta, OH, USA, 45750-0738
Peoples Bancorp Inc (Marietta OH) is a financial holding company. As a community bank, it offers a complete line of banking, insurance, investment and trust solutions through its financial subsidiaries. It offers demand deposit accounts, savings accounts, real estate mortgage loans, merchant credit card transaction processing services, corporate and personal trust services, life, health, property, and casualty insurance products, brokerage services. The firm also offers telephone and internet-based banking through both personal computers and mobile devices.
Executives
Carol A Schneeberger officer: Executive VP - Operations 138 PUTNAM STREET, MARIETTA OH 45750
Mark Augenstein officer: EVP, Operations 138 PUTNAM STREET, MARIETTA OH 45750
Charles W Sulerzyski director, officer: President and CEO 138 PUTNAM ST, PO BOX 738, MARIETTA OH 45750-0738
Macia Matthew Joseph Blazar officer: Chief Risk Officer 138 PUTNAM STREET, MARIETTA OH 45750
Hugh J Donlon officer: EVP, Community Banking 138 PUTNAM STREET, MARIETTA OH 45750
Dwight Eric Smith director 518 EAST BROAD STREET, COLUMBUS OH 43215
W Glenn Hogan director 420 W. LIBERTY STREET, LOUISVILLE KY 40202
Frances A Skinner director 138 PUTNAM STREET, MARIETTA OH 45750
Susan D. Rector director 138 PUTNAM STREET, PO BOX 738, MARIETTA OH 45750
S Craig Beam director P.O. BOX 738, 138 PUTNAM STREET, MARIETTA OH 45750
Matthew Edgell officer: Chief of Staff 138 PUTNAM STREET, MARIETTA OH 45750
Michael Ryan Kirkham officer: EVP/General Counsel 138 PUTNAM STREET, MARIETTA OH 45750
Kevin R Reeves director 138 PUTNAM STREET, MARIETTA OH 45750
James S. Huggins director 138 PUTNAM STREET, P.O. BOX 738, MARIETTA OH 45750
Michael N Vittorio director