Liberty State Bank: 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 securities edged down by 0.21 percentage points, from 3.48% to 3.27%, the largest move among the key lines here. On net interest margin, Liberty State Bank is 4th from the bottom among 60 North Dakota banks, 2.97% (Q2 2026). Liberty State Bank reported 2.97% on net interest margin for Q2 2026, 0.98 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.60% |
| Yield on loans | 7.05% |
| Yield on securities | 3.27% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.68% |
| Cost of interest-bearing deposits | 2.56% |
| Cost of interest-bearing liabilities | 2.56% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.97% |
| Yield to cost spread | 2.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $980K |
| Total interest expense | $664K |
| Interest expense on deposits | $664K |
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 | 4.29% | 1.52% | 2.93% | 6.90% | 2.63% |
| Q4 2023 | 4.47% | 1.76% | 2.91% | 7.00% | 2.71% |
| Q1 2024 | 4.44% | 1.92% | 2.77% | 7.03% | 2.84% |
| Q2 2024 | 4.77% | 2.03% | 2.82% | 7.28% | 2.98% |
| Q3 2024 | 4.85% | 1.95% | 2.90% | 7.50% | 3.14% |
| Q4 2024 | 4.88% | 1.87% | 3.05% | 7.47% | 3.35% |
| Q1 2025 | 4.72% | 1.76% | 2.99% | 7.16% | 3.45% |
| Q2 2025 | 4.83% | 1.77% | 3.11% | 7.23% | 3.49% |
| Q3 2025 | 4.95% | 1.83% | 3.17% | 7.30% | 3.54% |
| Q4 2025 | 4.97% | 1.80% | 3.22% | 7.22% | 3.57% |
| Q1 2026 | 4.74% | 1.72% | 3.07% | 7.10% | 3.48% |
| Q2 2026 | 4.60% | 1.68% | 2.97% | 7.05% | 3.27% |
Liberty State Bank 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 State Bank, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17096) · FFIEC NIC profile (RSSD 883351)