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BDI
LO

Live Oak Banking Company

Wilmington, North CarolinaFDIC Cert #58665

STATEEstablished 20081 branch

Holding company: LIVE OAK BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$8.15B$6.55B
Q3 2021$8.06B$6.82B
Q4 2021$8.14B$7.12B
Q1 2022$8.54B$7.65B
Q2 2022$9.03B$8.25B
Q3 2022$9.23B$8.52B
Q4 2022$9.74B$8.98B
Q1 2023$10.2B$9.52B
Q2 2023$10.7B$9.96B
Q3 2023$10.9B$10.1B
Q4 2023$11.2B$10.4B
Q1 2024$11.4B$10.5B
Q2 2024$11.8B$10.8B
Q3 2024$12.5B$11.5B
Q4 2024$12.9B$11.8B
Q1 2025$13.5B$12.4B
Q2 2025$13.7B$12.6B
Q3 2025$14.6B$13.4B
Q4 2025$15.1B$13.8B
Q1 2026$15.2B$14B

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$15.2B
+12.8%y/y
Percentile by value27th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICASSET
Deposits
$14B
+12.2%y/y
Percentile by value34th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICDEP
Gross loans
$12.6B
+13.8%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSGR
Net loans
$12.4B
+14.1%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSNET
Securities
$1.43B
+9.3%y/y
Percentile by value8th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICSC
Cash
$815M
+10.6%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICCHBAL
Liabilities
$14.1B
+12.5%y/y
Percentile by value29th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLIAB
Equity
$1.17B
+16.9%y/y
Peer standing6th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$146M
+15.2%y/y
Peer standing26th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNIM + NONII
NII
$121M
+18.4%y/y
Peer standing28th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNIM
Noninterest income
$25.4M
+2.1%y/y
Peer standing35th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNONII
Provision
$20.1M
−30.6%y/y
Percentile by value85th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICELNATR
Pretax income
$45.1M
+153.4%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICPTAXNETINC
Net income
$33.6M
+155.0%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICNETINC