First Liberty Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin rose 0.31 percentage points from Q1 2026 to Q2 2026, ending at 4.80% against 4.49%. It was the largest change among the key lines on this page. Within Texas, First Liberty Bank is 68th of 345 on net interest margin, 4.80% as of Q2 2026, above the middle of the field. First Liberty Bank reported 4.80% on net interest margin for Q2 2026, 0.85 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.08% |
| Yield on loans | 7.17% |
| Yield on securities | 4.62% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.37% |
| Cost of interest-bearing deposits | 1.92% |
| Cost of interest-bearing liabilities | 1.95% |
| Cost of borrowings | 4.60% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.80% |
| Yield to cost spread | 4.13% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $8.7M |
| Total interest expense | $2.7M |
| Interest expense on deposits | $2.6M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.14% | 1.65% | 3.54% | 6.08% | 2.02% |
| Q4 2023 | 5.39% | 1.83% | 3.62% | 6.32% | 2.16% |
| Q1 2024 | 5.24% | 1.97% | 3.34% | 6.34% | 1.02% |
| Q2 2024 | 5.42% | 2.05% | 3.45% | 6.49% | 1.31% |
| Q3 2024 | 5.80% | 2.09% | 3.80% | 6.78% | 2.62% |
| Q4 2024 | 5.76% | 1.73% | 4.12% | 6.69% | 2.73% |
| Q1 2025 | 5.25% | 1.40% | 3.93% | 6.64% | 3.58% |
| Q2 2025 | 5.95% | 1.47% | 4.55% | 7.27% | 4.58% |
| Q3 2025 | 6.19% | 1.42% | 4.84% | 7.54% | 4.61% |
| Q4 2025 | 6.36% | 1.32% | 5.11% | 7.51% | 4.59% |
| Q1 2026 | 5.76% | 1.35% | 4.49% | 7.01% | 4.51% |
| Q2 2026 | 6.08% | 1.37% | 4.80% | 7.17% | 4.62% |
First Liberty Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Liberty Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3301) · FFIEC NIC profile (RSSD 629353)