Libertyville 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.
Total interest expense rose 4.4% from Q1 2026 to Q2 2026, ending at $1.3M against $1.3M. It was the largest change among the key lines on this page. Among 225 Iowa banks, Libertyville Savings Bank sits 14th from the top on net interest margin, 4.44% as of Q2 2026. The median for banks in the $100M-1B asset tier is 3.95% on net interest margin. Libertyville Savings Bank sits 0.49 points higher, at 4.44% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.90% |
| Yield on loans | 6.45% |
| Yield on securities | 5.03% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 1.85% |
| Cost of interest-bearing liabilities | 1.89% |
| Cost of borrowings | 2.21% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.44% |
| Yield to cost spread | 4.01% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.6M |
| Total interest expense | $1.3M |
| Interest expense on deposits | $1.1M |
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 | 5.23% | 1.31% | 3.99% | 5.59% | 4.17% |
| Q4 2023 | 5.15% | 1.52% | 3.73% | 5.81% | 3.56% |
| Q1 2024 | 5.33% | 1.64% | 3.76% | 6.08% | 3.29% |
| Q2 2024 | 5.76% | 1.65% | 4.16% | 6.18% | 4.48% |
| Q3 2024 | 5.89% | 1.69% | 4.24% | 6.39% | 4.42% |
| Q4 2024 | 5.74% | 1.69% | 4.09% | 6.35% | 4.25% |
| Q1 2025 | 5.38% | 1.63% | 3.80% | 5.96% | 4.15% |
| Q2 2025 | 5.98% | 1.66% | 4.38% | 6.51% | 4.83% |
| Q3 2025 | 6.32% | 1.66% | 4.72% | 7.13% | 4.67% |
| Q4 2025 | 6.06% | 1.54% | 4.59% | 6.77% | 4.80% |
| Q1 2026 | 5.93% | 1.48% | 4.51% | 6.74% | 4.91% |
| Q2 2026 | 5.90% | 1.54% | 4.44% | 6.45% | 5.03% |
Libertyville 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 Libertyville 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 Libertyville Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13712) · FFIEC NIC profile (RSSD 857745)