Liberty Bank and Trust Company: 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 biggest quarter-over-quarter change on this page was a small one: Net interest margin edged up 0.11 percentage points between Q1 2026 and Q2 2026, to 3.97%. Within Louisiana, Liberty Bank and Trust Company is 67th of 103 on net interest margin, 3.97% as of Q2 2026, below the middle of the field. Liberty Bank and Trust Company reported 3.97% on net interest margin for Q2 2026, 0.26 points above the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.07% |
| Yield on loans | 6.24% |
| Yield on securities | 3.20% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.91% |
| Cost of interest-bearing deposits | 1.59% |
| Cost of interest-bearing liabilities | 1.61% |
| Cost of borrowings | 3.52% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.97% |
| Yield to cost spread | 3.46% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $9.8M |
| Total interest expense | $3.0M |
| Interest expense on deposits | $2.9M |
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 | 4.58% | 0.63% | 3.77% | 6.24% | 2.35% |
| Q4 2023 | 5.01% | 0.73% | 4.08% | 6.83% | 2.38% |
| Q1 2024 | 4.75% | 0.73% | 3.82% | 6.34% | 2.40% |
| Q2 2024 | 4.86% | 0.77% | 3.89% | 6.34% | 2.49% |
| Q3 2024 | 5.10% | 0.97% | 3.92% | 6.48% | 2.55% |
| Q4 2024 | 5.14% | 1.04% | 3.92% | 6.44% | 2.68% |
| Q1 2025 | 5.01% | 1.00% | 3.81% | 6.32% | 2.70% |
| Q2 2025 | 5.22% | 0.98% | 4.05% | 6.55% | 2.86% |
| Q3 2025 | 5.07% | 0.99% | 3.89% | 6.37% | 2.94% |
| Q4 2025 | 5.01% | 0.93% | 3.90% | 6.18% | 2.99% |
| Q1 2026 | 4.95% | 0.92% | 3.86% | 6.15% | 3.04% |
| Q2 2026 | 5.07% | 0.91% | 3.97% | 6.24% | 3.20% |
Liberty Bank and Trust Company 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 and Trust Company, 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 and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 20856) · FFIEC NIC profile (RSSD 283438)