Skip to main content
BDI
LO

Live Oak Banking Company

Wilmington, North CarolinaFDIC Cert #58665

STATEEstablished 20081 branch

Holding company: LIVE OAK BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.09%
−48.9%y/y
Peer standing90th percentile
Peer standing in ubpr:primary:2
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + LNLSGR
Nonaccrual %
4.00%
−9.7%y/y
Peer standing1st percentile
Peer standing in ubpr:primary:2
FDICNAASSET + LNLSGR
Noncurrent %
4.00%
−9.7%y/y
Peer standing1st percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
3.39%
−7.1%y/y
Peer standing0th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$516M
+4.8%y/y
Peer standing7th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.63%
+134.0%y/y
Peer standing11th percentile
Peer standing in ubpr:primary:2
FDICNTLNLS + LNLSGR
NCO
$18.6M
+174.4%y/y
Peer standing19th percentile
Peer standing in ubpr:primary:2
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.53%
−10.7%y/y
Percentile by value85th percentileby value
Peer standing in ubpr:primary:2
FDICLNATRES + LNLSGR
30–89
$11M
−41.9%y/y
Peer standing90th percentile
Peer standing in ubpr:primary:2
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in ubpr:primary:2
FDICP9ASSET
Nonaccrual
$504M
+2.8%y/y
Peer standing5th percentile
Peer standing in ubpr:primary:2
FDICNAASSET