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.
The largest change between Q1 2026 and Q2 2026 was in Total interest expense, which rose 3.7% to $38.4M. Liberty Bank ranks 13th of 27 Connecticut banks on net interest margin, in the upper half at 3.43% (Q2 2026). The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Liberty Bank sits 0.28 points lower, at 3.43% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.18% |
| Yield on loans | 5.65% |
| Yield on securities | 2.96% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.95% |
| Cost of interest-bearing deposits | 2.41% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 3.30% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.43% |
| Yield to cost spread | 2.66% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $101.4M |
| Total interest expense | $38.4M |
| Interest expense on deposits | $32.3M |
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 | 4.89% | 1.30% | 3.72% | 5.27% | 3.36% |
| Q4 2023 | 5.05% | 1.63% | 3.58% | 5.42% | 3.50% |
| Q1 2024 | 5.14% | 1.86% | 3.45% | 5.47% | 3.70% |
| Q2 2024 | 5.12% | 1.97% | 3.34% | 5.45% | 3.68% |
| Q3 2024 | 5.27% | 2.15% | 3.32% | 5.60% | 3.87% |
| Q4 2024 | 5.16% | 2.09% | 3.28% | 5.50% | 3.69% |
| Q1 2025 | 5.05% | 1.92% | 3.31% | 5.40% | 3.53% |
| Q2 2025 | 5.17% | 1.93% | 3.42% | 5.53% | 3.56% |
| Q3 2025 | 5.44% | 2.04% | 3.59% | 5.85% | 3.56% |
| Q4 2025 | 5.21% | 2.03% | 3.40% | 5.66% | 3.22% |
| Q1 2026 | 5.10% | 1.92% | 3.37% | 5.52% | 3.20% |
| Q2 2026 | 5.18% | 1.95% | 3.43% | 5.65% | 2.96% |
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 17943) · FFIEC NIC profile (RSSD 587800)