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Capital Bancorp (Capital Bancorp) Net Interest Margin (Bank Only) % : 6.73% (As of Dec. 2023)


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What is Capital 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. Capital Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2023 was $139.6 Mil. Capital Bancorp's average earning assets for the quarter that ended in Dec. 2023 was $2,073.4 Mil. Therefore, Capital Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2023 was 6.73%.


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

The historical data trend for Capital 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.

Capital Bancorp Net Interest Margin (Bank Only) % Chart

Capital Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only 5.64 5.60 6.63 7.39 6.92

Capital Bancorp 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 6.86 6.95 7.21 6.73 6.59

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

For the Banks - Regional subindustry, Capital 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.


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

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

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



Capital 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).

Capital Bancorp'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 )
=141.526/( (1992.317 + 2095.248)/ 2 )
=141.526/2043.7825
=6.92 %

where

Earning Assets(A: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=28.05 + 1711.786 + 252.481
=1992.317

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=4.76 + 1882.159 + 208.329
=2095.248

Capital Bancorp'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 )
=139.556/( (2051.595 + 2095.248)/ 2 )
=139.556/2073.4215
=6.73 %

where

Earning Assets(Q: Sep. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=6.297 + 1839.243 + 206.055
=2051.595

Earning Assets(Q: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=4.76 + 1882.159 + 208.329
=2095.248

* 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.


Capital Bancorp  (NAS:CBNK) 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.


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

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Capital Bancorp (Capital Bancorp) Business Description

Industry
Traded in Other Exchanges
Address
2275 Research Boulevard, Suite 600, Rockville, MD, USA, 20850
Capital Bancorp Inc is a bank holding company. The company through its holdings operates as a commercial-focused community bank that serves businesses, not-for-profit associations, and entrepreneurs throughout the region. The bank operates through four divisions including Commercial Banking, Capital Bank Home Loans, Corporate Office, and OpenSky. Its Commercial Banking division offers banking-related services to clients, Capital Bank Home Loans division offers conventional and government-guaranteed residential mortgage loans on a nationwide basis for sale into the secondary market, while its OpenSky division provides secured credit cards on a nationwide basis to under-banked populations and those looking to rebuild their credit scores.
Executives
Jacob Dalaya officer: EVP, Chief Strategy Officer 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850
Perrine Constance E officer: SVP & CAO C/O OMNI FINANCIAL SERVICES, INC., SIX CONCOURSE PARKWAY, SUITE 2300, ATLANTA GA 30328
Mary Ann Scully director 3301 BOSTON STREET, BALTIMORE MD 21224
Jennings Walker officer: EVP, Chief Financial Officer 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850
Randall James Levitt director ONE CHURCH STREET SUITE 300, ROCKVILLE MD 20850
Steven M Poynot officer: EVP, Chief Operating Officer 8004 BRIGHT LIGHT PLACE, ELLICOTT CITY MD 21043
Gary M Kausmeyer officer: Chief Risk Officer 185 EAST MARKET STREET, WARREN OH 44481
Jeffrey Kaye officer: EVP, Chief Marketing Officer 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850
Sandeep Uthra officer: EVP & CIO 2275 RESEARCH BLVD, 6TH FLOOR, ROCKVILLE MD 20850
Fred Joseph Lewis director 2275 RESEARCH BLVD, ROCKVILLE MD 20850
Eric M. Suss officer: EVP and CHRO ONE CHURCH STREET, ROCKVILLE MD 20850
Jerome Ronnell Bailey director CAPITAL BANCORP, INC., 2275 RESEARCH BLVD, SUITE 600, ROCKVILLE MD 20850
Stephen N Ashman director
James F. Whalen director ONE CHURCH STREET, ROCKVILLE MD 20850
Joshua Bernstein director ONE CHURCH STREET, ROCKVILLE MD 20850

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