Liberty Trust & Savings 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.
Compared with Q1 2026, Net interest margin fell 0.20 percentage points in Q2 2026 to 3.55%, the biggest move on this page. Within Iowa, Liberty Trust & Savings Bank is 133rd of 225 on net interest margin, 3.55% as of Q2 2026, below the middle of the field. Liberty Trust & Savings Bank reported 3.55% on net interest margin for Q2 2026, 0.40 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.73% |
| Yield on loans | 6.03% |
| Yield on securities | 2.97% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.43% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.85% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.55% |
| Yield to cost spread | 2.88% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $1.6M |
| Total interest expense | $534K |
| Interest expense on deposits | $534K |
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 | 3.79% | 0.85% | 3.10% | 5.18% | 2.08% |
| Q4 2023 | 4.04% | 1.14% | 3.09% | 5.28% | 2.17% |
| Q1 2024 | 4.24% | 1.19% | 3.24% | 5.44% | 2.20% |
| Q2 2024 | 4.40% | 1.54% | 3.11% | 5.57% | 2.18% |
| Q3 2024 | 4.54% | 1.73% | 3.09% | 5.72% | 2.19% |
| Q4 2024 | 4.57% | 1.64% | 3.20% | 5.75% | 2.22% |
| Q1 2025 | 4.67% | 1.53% | 3.40% | 5.90% | 2.43% |
| Q2 2025 | 4.65% | 1.62% | 3.31% | 5.84% | 2.60% |
| Q3 2025 | 4.85% | 1.66% | 3.48% | 5.96% | 2.72% |
| Q4 2025 | 4.85% | 1.56% | 3.57% | 6.02% | 2.57% |
| Q1 2026 | 4.92% | 1.42% | 3.75% | 5.94% | 3.18% |
| Q2 2026 | 4.73% | 1.43% | 3.55% | 6.03% | 2.97% |
Liberty Trust & Savings 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 Trust & Savings 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 Trust & Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10121) · FFIEC NIC profile (RSSD 644646)