The Liberty Savings Association, FSA: 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.
In Q2 2026, Yield on loans edged up by 0.21 percentage points, from 5.65% to 5.86%, the largest move among the key lines here. On net interest margin, The Liberty Savings Association, FSA is 14th from the bottom among 182 Kansas banks, 3.14% (Q2 2026). The Liberty Savings Association, FSA reported 3.14% on net interest margin for Q2 2026, 0.75 points below the 3.89% median for banks in the < $100M asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.05% |
| Yield on loans | 5.86% |
| Yield on securities | 3.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.21% |
| Cost of interest-bearing deposits | 1.22% |
| Cost of interest-bearing liabilities | 1.22% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.14% |
| Yield to cost spread | 2.83% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $147K |
| Total interest expense | $65K |
| Interest expense on deposits | $65K |
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 | 3.28% | 0.84% | 2.63% | 4.71% | 2.43% |
| Q4 2023 | 3.55% | 0.93% | 2.84% | 4.97% | 2.44% |
| Q1 2024 | 3.61% | 0.94% | 2.89% | 5.03% | 2.53% |
| Q2 2024 | 3.85% | 1.03% | 3.08% | 5.09% | 2.66% |
| Q3 2024 | 3.87% | 1.17% | 2.98% | 5.24% | 2.71% |
| Q4 2024 | 3.80% | 1.20% | 2.90% | 5.19% | 2.73% |
| Q1 2025 | 4.03% | 1.19% | 3.13% | 5.50% | 2.87% |
| Q2 2025 | 4.06% | 1.24% | 3.12% | 5.39% | 3.03% |
| Q3 2025 | 4.11% | 1.30% | 3.13% | 5.58% | 3.00% |
| Q4 2025 | 4.11% | 1.28% | 3.15% | 5.74% | 2.98% |
| Q1 2026 | 4.00% | 1.23% | 3.07% | 5.65% | 2.95% |
| Q2 2026 | 4.05% | 1.21% | 3.14% | 5.86% | 3.03% |
The Liberty Savings Association, FSA yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Liberty Savings Association, FSA, 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 The Liberty Savings Association, FSA profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29857) · FFIEC NIC profile (RSSD 987576)