Liberty Bank, Inc.: 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.
Compared with Q1 2026, Yield on earning assets fell 0.31 percentage points in Q2 2026 to 3.42%, the biggest move on this page. On net interest margin, Liberty Bank, Inc. is 1st from the bottom among 44 Utah banks, 0.62% (Q2 2026). Against a median of 3.89% for banks in the < $100M asset tier, Liberty Bank, Inc. reported 0.62% on net interest margin in Q2 2026, 3.27 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.42% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.87% |
| Cost of interest-bearing deposits | 3.99% |
| Cost of interest-bearing liabilities | 3.99% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 0.62% |
| Yield to cost spread | -0.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $72K |
| Interest expense on deposits | $72K |
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 |
|---|---|---|---|
| Q3 2023 | 7.56% | 4.13% | 3.80% |
| Q4 2023 | 7.04% | 4.58% | 2.89% |
| Q1 2024 | 7.50% | 4.72% | 3.14% |
| Q2 2024 | 7.78% | 4.73% | 3.53% |
| Q3 2024 | 9.74% | 4.43% | 4.09% |
| Q4 2024 | 5.16% | 4.56% | 1.58% |
| Q1 2025 | 4.06% | 4.46% | 0.42% |
| Q2 2025 | 4.12% | 4.40% | 1.07% |
| Q3 2025 | 5.05% | 4.29% | 1.28% |
| Q4 2025 | 3.69% | 4.18% | 0.49% |
| Q1 2026 | 3.73% | 3.94% | 0.50% |
| Q2 2026 | 3.42% | 3.87% | 0.62% |
Liberty Bank, Inc. 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, Inc., 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, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26816) · FFIEC NIC profile (RSSD 593771)