Liberty Bank of New Jersey: 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 Yield on securities: 3.84 percentage points higher than in Q1 2026, at 3.84%. Within New Jersey, Liberty Bank of New Jersey is 36th of 49 on net interest margin, 2.73% as of Q2 2026, below the middle of the field. Liberty Bank of New Jersey reported 2.73% on net interest margin for Q2 2026, 1.22 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 3.47% |
| Yield on loans | 0.00% |
| Yield on securities | 3.84% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.25% |
| Cost of interest-bearing deposits | 1.90% |
| Cost of interest-bearing liabilities | 1.90% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.73% |
| Yield to cost spread | 1.57% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $159K |
| Interest expense on deposits | $159K |
Yields and Funding Costs trend
Last 2 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 | Securities |
|---|---|---|---|---|
| Q1 2026 | 3.13% | 1.02% | 2.96% | 0.00% |
| Q2 2026 | 3.47% | 1.25% | 2.73% | 3.84% |
Liberty Bank of New Jersey 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 of New Jersey, 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 of New Jersey profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59369) · FFIEC NIC profile (RSSD 6095071)