Freedom 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.
In Q2 2026, Net interest margin edged up by 0.12 percentage points, from 3.44% to 3.56%, the largest move among the key lines here. Within Indiana, Freedom Bank is 48th of 87 on net interest margin, 3.56% as of Q2 2026, below the middle of the field. Freedom Bank reported 3.56% on net interest margin for Q2 2026, 0.39 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.38% |
| Yield on loans | 5.72% |
| Yield on securities | 2.29% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.05% |
| Cost of interest-bearing deposits | 2.61% |
| Cost of interest-bearing liabilities | 2.64% |
| Cost of borrowings | 3.91% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.56% |
| Yield to cost spread | 2.74% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $7.2M |
| Total interest expense | $2.6M |
| 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 | 4.39% | 2.07% | 2.53% | 4.60% | 2.55% |
| Q4 2023 | 4.48% | 2.31% | 2.42% | 4.69% | 2.51% |
| Q1 2024 | 4.66% | 2.47% | 2.43% | 4.87% | 2.52% |
| Q2 2024 | 4.78% | 2.55% | 2.48% | 5.00% | 2.53% |
| Q3 2024 | 4.93% | 2.63% | 2.58% | 5.19% | 2.53% |
| Q4 2024 | 5.13% | 2.53% | 2.87% | 5.43% | 2.49% |
| Q1 2025 | 4.95% | 2.34% | 2.85% | 5.22% | 2.43% |
| Q2 2025 | 5.09% | 2.35% | 3.00% | 5.38% | 2.44% |
| Q3 2025 | 5.23% | 2.34% | 3.15% | 5.53% | 2.45% |
| Q4 2025 | 5.27% | 2.26% | 3.26% | 5.59% | 2.43% |
| Q1 2026 | 5.28% | 2.06% | 3.44% | 5.58% | 2.42% |
| Q2 2026 | 5.38% | 2.05% | 3.56% | 5.72% | 2.29% |
Freedom 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 Freedom 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 Freedom Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35221) · FFIEC NIC profile (RSSD 2858492)