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 climbed 0.43 percentage points in Q2 2026, from 4.41% to 4.84%. It was the largest change from Q1 2026 among the key lines here. On net interest margin, Liberty Bank ranks 18th highest among the 323 banks headquartered in Illinois, at 4.84% (Q2 2026). Liberty Bank reported 4.84% on net interest margin for Q2 2026, 0.89 points above the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.14% |
| Yield on loans | 7.36% |
| Yield on securities | 4.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.41% |
| Cost of interest-bearing deposits | 1.86% |
| Cost of interest-bearing liabilities | 1.86% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.84% |
| Yield to cost spread | 4.28% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.2M |
| Total interest expense | $589K |
| Interest expense on deposits | $589K |
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 | 4.88% | 0.62% | 4.31% | 5.42% | 2.96% |
| Q4 2023 | 5.37% | 0.73% | 4.66% | 5.65% | 4.00% |
| Q1 2024 | 5.16% | 0.78% | 4.43% | 5.79% | 2.99% |
| Q2 2024 | 5.26% | 0.91% | 4.42% | 5.98% | 2.84% |
| Q3 2024 | 5.28% | 1.21% | 4.23% | 6.12% | 2.94% |
| Q4 2024 | 5.29% | 1.39% | 4.00% | 5.93% | 3.01% |
| Q1 2025 | 5.70% | 1.40% | 4.40% | 6.45% | 3.10% |
| Q2 2025 | 6.61% | 2.00% | 5.16% | 7.75% | 2.56% |
| Q3 2025 | 6.01% | 1.42% | 4.70% | 6.80% | 3.78% |
| Q4 2025 | 5.83% | 0.66% | 5.23% | 6.90% | 3.86% |
| Q1 2026 | 5.72% | 1.42% | 4.41% | 6.75% | 3.86% |
| Q2 2026 | 6.14% | 1.41% | 4.84% | 7.36% | 4.03% |
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 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 Liberty Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11719) · FFIEC NIC profile (RSSD 371942)