Liberty Bank N.A.: 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 standout move of Q2 2026 was in Total interest expense: 11.7% lower than in Q1 2026, at $1.7M. Within California, Liberty Bank N.A. is 79th of 114 on net interest margin, 3.42% as of Q2 2026, below the middle of the field. Liberty Bank N.A. reported 3.42% on net interest margin for Q2 2026, 0.53 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.23% |
| Yield on loans | 5.40% |
| Yield on securities | 5.07% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.00% |
| Cost of interest-bearing deposits | 2.63% |
| Cost of interest-bearing liabilities | 2.63% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.42% |
| Yield to cost spread | 2.60% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $4.5M |
| Total interest expense | $1.7M |
| Interest expense on deposits | $1.7M |
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 | 5.08% | 2.68% | 2.69% | 5.05% | 1.61% |
| Q4 2023 | 4.97% | 3.11% | 2.20% | 4.73% | 5.50% |
| Q1 2024 | 4.96% | 3.41% | 1.91% | 4.85% | 5.51% |
| Q2 2024 | 5.12% | 3.60% | 1.89% | 5.06% | 5.52% |
| Q3 2024 | 5.09% | 3.59% | 1.95% | 5.01% | 5.17% |
| Q4 2024 | 5.09% | 3.18% | 2.31% | 5.08% | 5.29% |
| Q1 2025 | 4.84% | 2.80% | 2.39% | 4.86% | 5.47% |
| Q2 2025 | 5.05% | 2.47% | 2.89% | 5.03% | 5.34% |
| Q3 2025 | 5.15% | 2.38% | 3.07% | 5.16% | 5.45% |
| Q4 2025 | 5.14% | 2.18% | 3.25% | 5.16% | 5.46% |
| Q1 2026 | 5.14% | 2.12% | 3.26% | 5.24% | 5.50% |
| Q2 2026 | 5.23% | 2.00% | 3.42% | 5.40% | 5.07% |
Liberty Bank N.A. 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 N.A., 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 N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35331) · FFIEC NIC profile (RSSD 2907439)