Liberty Savings Bank, F.S.B.: 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, Total interest expense fell 3.0% in Q2 2026 to $8.5M, the biggest move on this page. Liberty Savings Bank, F.S.B. has the 3rd lowest net interest margin of the 156 banks headquartered in Ohio, at 1.64% as of Q2 2026. Against a median of 3.71% for banks in the $1B-10B asset tier, Liberty Savings Bank, F.S.B. reported 1.64% on net interest margin in Q2 2026, 2.07 points lower.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 5.38% |
| Yield on securities | 3.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.24% |
| Cost of interest-bearing deposits | 3.78% |
| Cost of interest-bearing liabilities | 3.71% |
| Cost of borrowings | 4.22% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 1.64% |
| Yield to cost spread | 1.02% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $10.6M |
| Total interest expense | $8.5M |
| Interest expense on deposits | $8.1M |
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 | 4.37% | 3.68% | 1.01% | 4.64% | 3.54% |
| Q4 2023 | 4.77% | 3.95% | 1.16% | 5.04% | 3.89% |
| Q1 2024 | 4.85% | 3.91% | 1.11% | 5.12% | 3.89% |
| Q2 2024 | 5.00% | 3.99% | 1.16% | 5.24% | 4.28% |
| Q3 2024 | 5.16% | 4.09% | 1.24% | 5.46% | 4.28% |
| Q4 2024 | 4.94% | 3.87% | 1.23% | 5.37% | 3.76% |
| Q1 2025 | 4.96% | 3.60% | 1.47% | 5.45% | 3.61% |
| Q2 2025 | 4.90% | 3.49% | 1.53% | 5.37% | 3.49% |
| Q3 2025 | 4.91% | 3.53% | 1.54% | 5.43% | 3.45% |
| Q4 2025 | 4.96% | 3.47% | 1.64% | 5.59% | 3.19% |
| Q1 2026 | 4.64% | 3.28% | 1.52% | 5.28% | 2.96% |
| Q2 2026 | 4.73% | 3.24% | 1.64% | 5.38% | 3.03% |
Liberty Savings Bank, F.S.B. 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 Savings Bank, F.S.B., 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 Savings Bank, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32242) · FFIEC NIC profile (RSSD 839572)