Liberty Bank Minnesota: 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 0.08 percentage points between Q1 2026 and Q2 2026, to 3.08%. Liberty Bank Minnesota has the 22nd lowest net interest margin of the 221 banks headquartered in Minnesota, at 3.08% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Liberty Bank Minnesota sits 0.87 points lower, at 3.08% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.77% |
| Yield on loans | 5.16% |
| Yield on securities | 2.21% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.73% |
| Cost of interest-bearing deposits | 0.91% |
| Cost of interest-bearing liabilities | 0.91% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.08% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.8M |
| Total interest expense | $482K |
| Interest expense on deposits | $482K |
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 | 3.27% | 0.42% | 2.87% | 4.41% | 2.10% |
| Q4 2023 | 3.40% | 0.69% | 2.74% | 4.52% | 2.14% |
| Q1 2024 | 3.39% | 0.66% | 2.77% | 4.54% | 2.12% |
| Q2 2024 | 3.54% | 0.75% | 2.83% | 4.69% | 2.13% |
| Q3 2024 | 3.61% | 0.80% | 2.86% | 4.81% | 2.13% |
| Q4 2024 | 3.70% | 0.76% | 2.98% | 4.87% | 2.13% |
| Q1 2025 | 3.66% | 0.67% | 3.03% | 4.89% | 2.13% |
| Q2 2025 | 3.73% | 0.67% | 3.10% | 4.97% | 2.11% |
| Q3 2025 | 3.76% | 0.70% | 3.11% | 5.05% | 2.11% |
| Q4 2025 | 3.80% | 0.71% | 3.13% | 5.13% | 2.14% |
| Q1 2026 | 3.68% | 0.72% | 3.00% | 5.10% | 2.17% |
| Q2 2026 | 3.77% | 0.73% | 3.08% | 5.16% | 2.21% |
Liberty Bank Minnesota 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 Minnesota, 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 Minnesota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26891) · FFIEC NIC profile (RSSD 1387203)