0.89%
+122.0%y/y
Peer standing23rd percentile
FDIC
NETINC + ROALO
Live Oak Banking Company
Wilmington, North CarolinaFDIC Cert #58665
STATEEstablished 20081 branch
Holding company: LIVE OAK BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
11.66%
+117.8%y/y
Peer standing65th percentile
FDIC
NETINC + ROE1.19%
+120.5%y/y
Peer standing21st percentile
FDIC
PTAXNETINC + ASSET3.32%
+2.3%y/y
Peer standing37th percentile
FDIC
NIM + NIMY6.42%
−5.1%y/y
Peer standing93rd percentile
FDIC
INTINCY3.39%
−8.3%y/y
Peer standing16th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
55.37%
−12.3%y/y
Peer standing49th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.14%
−12.0%y/y
Peer standing54th percentile
FDIC
NONIX + ASSET17.38%
−11.4%y/y
Percentile by value59th percentileby value
FDIC
NONII + NIM+12.78%
−29.5%y/y
Percentile by value76th percentileby value
FDIC
ASSET+12.22%
−35.5%y/y
Percentile by value74th percentileby value
FDIC
DEP+14.06%
−28.5%y/y
Percentile by value70th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.89%23rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.71%Median 1.19%90th 1.80%Observations 110
ROE
FDIC
NETINC + ROE11.66%64th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.78%Median 10.10%90th 17.47%Observations 110
NIM
FDIC
NIM + NIMY3.32%37th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.62%Median 3.55%90th 4.39%Observations 110
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR55.37%49th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 36.24%Median 54.92%90th 71.99%Observations 110
Deposits YoY
FDIC
DEP+12.22%73rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.68%Median +4.64%90th +30.48%Observations 110
Loans YoY
FDIC
LNLSNET+14.06%70th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.21%Median +6.49%90th +34.73%Observations 109
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.00%98th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.20%Median 0.71%90th 1.50%Observations 109
Leverage
FDIC
RBC1AAJ7.81%6th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.29%Median 10.30%90th 12.41%Observations 110
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.39%16th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.79%Median 2.60%90th 3.62%Observations 110
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC216%52nd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 54%Median 213%90th 309%Observations 110
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.89%22nd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.79%Median 1.13%90th 2.04%Observations 24
ROE
FDIC
NETINC + ROE11.66%64th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.46%Median 10.94%90th 15.90%Observations 24
NIM
FDIC
NIM + NIMY3.32%26th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.02%Median 3.78%90th 4.46%Observations 24
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR55.37%65th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.12%Median 61.78%90th 77.45%Observations 24
Deposits YoY
FDIC
DEP+12.22%84th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.03%Median +6.25%90th +15.80%Observations 24
Loans YoY
FDIC
LNLSNET+14.06%83rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.10%Median +7.05%90th +14.49%Observations 23
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR4.00%95th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.47%90th 1.78%Observations 23
Leverage
FDIC
RBC1AAJ7.81%8th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.69%Median 11.33%90th 14.59%Observations 24
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.39%13th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.57%Median 2.36%90th 3.52%Observations 24
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC216%60th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 56%Median 212%90th 288%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.