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.
Cost of borrowings fell 0.60 percentage points from Q1 2026 to Q2 2026, ending at 3.33% against 3.93%. It was the largest change among the key lines on this page. Liberty Bank ranks 19th of 29 Washington banks on net interest margin, in the lower half at 3.27% (Q2 2026). The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Liberty Bank sits 0.68 points lower, at 3.27% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.41% |
| Yield on loans | 5.82% |
| Yield on securities | 2.01% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.28% |
| Cost of interest-bearing deposits | 2.88% |
| Cost of interest-bearing liabilities | 2.86% |
| Cost of borrowings | 3.33% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.27% |
| Yield to cost spread | 2.55% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $2.3M |
| Total interest expense | $1.0M |
| Interest expense on deposits | $892K |
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 | 4.72% | 2.01% | 2.82% | 4.96% | 2.03% |
| Q4 2023 | 4.89% | 2.34% | 2.68% | 5.11% | 2.29% |
| Q1 2024 | 4.95% | 2.50% | 2.58% | 5.20% | 2.10% |
| Q2 2024 | 4.91% | 2.37% | 2.64% | 5.14% | 2.14% |
| Q3 2024 | 5.14% | 2.71% | 2.53% | 5.40% | 2.10% |
| Q4 2024 | 4.97% | 2.69% | 2.46% | 5.32% | 2.06% |
| Q1 2025 | 4.92% | 2.51% | 2.55% | 5.36% | 2.04% |
| Q2 2025 | 5.20% | 2.54% | 2.77% | 5.63% | 1.93% |
| Q3 2025 | 5.40% | 2.60% | 2.97% | 5.69% | 1.79% |
| Q4 2025 | 5.34% | 2.51% | 3.01% | 5.72% | 1.82% |
| Q1 2026 | 5.22% | 2.37% | 3.00% | 5.62% | 1.86% |
| Q2 2026 | 5.41% | 2.28% | 3.27% | 5.82% | 2.01% |
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 58778) · FFIEC NIC profile (RSSD 3943210)