Libertyville Bank & Trust Company, N.A.: 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 rose 2.5% in Q2 2026 to $15.7M, the biggest move on this page. Within Illinois, Libertyville Bank & Trust Company, N.A. is 223rd of 323 on net interest margin, 3.36% as of Q2 2026, below the middle of the field. Libertyville Bank & Trust Company, N.A. reported 3.36% on net interest margin for Q2 2026, 0.35 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.34% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.16% |
| Cost of interest-bearing deposits | 2.42% |
| Cost of interest-bearing liabilities | 2.52% |
| Cost of borrowings | 3.32% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 2.82% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $33.9M |
| Total interest expense | $15.7M |
| Interest expense on deposits | $14.0M |
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 |
|---|---|---|---|
| Q3 2023 | 5.66% | 2.36% | 3.50% |
| Q4 2023 | 5.87% | 2.64% | 3.48% |
| Q1 2024 | 5.96% | 2.79% | 3.43% |
| Q2 2024 | 6.00% | 2.95% | 3.31% |
| Q3 2024 | 6.10% | 3.10% | 3.27% |
| Q4 2024 | 5.90% | 2.88% | 3.29% |
| Q1 2025 | 5.66% | 2.55% | 3.32% |
| Q2 2025 | 5.62% | 2.51% | 3.32% |
| Q3 2025 | 5.68% | 2.62% | 3.26% |
| Q4 2025 | 5.58% | 2.46% | 3.32% |
| Q1 2026 | 5.35% | 2.17% | 3.36% |
| Q2 2026 | 5.34% | 2.16% | 3.36% |
Libertyville Bank & Trust Company, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Libertyville Bank & Trust Company, N.A., 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 Libertyville Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34073) · FFIEC NIC profile (RSSD 2339795)