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Amerant Bancorp Net Interest Margin (Bank Only) %

: 3.24% (As of Mar. 2022)
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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. Amerant Bancorp's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2022 was $222.6 Mil. Amerant Bancorp's average earning assets for the quarter that ended in Mar. 2022 was $6,867.0 Mil. Therefore, Amerant Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2022 was 3.24%.


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

The historical data trend for Amerant 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.

Amerant Bancorp Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21
Net Interest Margin (Bank Only) %
Premium Member Only Premium Member Only 2.69 2.86 2.86 2.63 2.97

Amerant Bancorp Quarterly Data
Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22
Net Interest Margin (Bank 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 Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.72 2.90 3.05 3.29 3.24

Competitive Comparison

For the Banks - Regional subindustry, Amerant 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.

   

Amerant Bancorp Net Interest Margin (Bank Only) % Distribution

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

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



Amerant 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).

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

Net Interest Margin (Bank Only) %(A: Dec. 2021 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2020 ) + Earning Assets (A: Dec. 2021 ))/ count )
=205.141/( (7038.987 + 6791.387)/ 2 )
=205.141/6915.187
=2.97 %

where

Earning Assets(A: Dec. 2020 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5731.435 + 1307.552
=7038.987

Earning Assets(A: Dec. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5497.641 + 1293.746
=6791.387

Amerant Bancorp's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2022 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2021 ) + Earning Assets (Q: Mar. 2022 ))/ count )
=222.58/( (6791.387 + 6942.532)/ 2 )
=222.58/6866.9595
=3.24 %

where

Earning Assets(Q: Dec. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 5497.641 + 1293.746
=6791.387

Earning Assets(Q: Mar. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=6.243 + 5665.126 + 1271.163
=6942.532

* 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 (Mar. 2022) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Amerant Bancorp  (NAS:AMTB) 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.


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

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Amerant Bancorp Business Description

Amerant Bancorp logo
Industry
Financial Services » Banks NAICS : 522110 SIC : 6022
Traded in Other Exchanges
Address
220 Alhambra Circle, Coral Gables, FL, USA, 33134
Amerant Bancorp Inc is a bank holding company. Through its bank, it provides individuals and businesses deposit, credit, investment, wealth management and fiduciary services, both in the United States and to select international customers. The bank also provides banking services through traditional channels, such as banking centers and ATMs, as well as via secure websites, mobile devices, and telephone.
Executives
Quelch John director C/O INVERNESS MEDICAL INNOVATIONS INC 51 SAWYER RD WALTHAM MA 02453
Holroyd Samantha director 1711 MARAVILLA DR. HOUSTON TX 77055
Ashford Orlando D director C/O AMERANT BANK 220 ALHAMBRA CR. CORAL GABLES FL 33134
Suarez Oscar director 220 ALHAMBRA CR. CORAL GABLES FL 33134
Iafigliola Carlos officer: See remarks 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134
Lare Dolores M director 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134
Fleitas Armando officer: See remarks 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134
Plush Gerald P director WEBSTER FINANCIAL CORPORATION 145 BANK STREET WATERBURY CT 06702
Quill John Walton director 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134
Trabanco Jorge officer: Chief Accounting Officer 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134
Figueredo Alfonso officer: See Remarks 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134
Villamil Jose Antonio director 2601 SOUTH BAYSHORE DRIVE, PH II COCONUT GROVE FL 33133
Copeland Frederick C Jr director 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134
Gonzalez S Alejandro director 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134
Mercantil Servicios Financieros, C.a. 10 percent owner C/O IVAN TRUJILLO 220 ALHAMBRA CIRCLE CORAL GABLES FL 33134

Amerant Bancorp Headlines

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