LIVE OAK BANKING COMPANY

WILMINGTON, NC | Regional | Est. May 12, 2008, midnight | FDIC #58665 | RSSD #3650808 | FDIC
Latest Report: 2025-12-31

LIVE OAK BANKING COMPANY is arn regional FDIC-insured commercial bank headquartered in WILMINGTON, NC, established in May 12, 2008, midnight. As of 2025-12-31, the bank reported total assets of $15.1B and total deposits of $13.8B. Profitability stands at 1.24% ROA and 16.54% ROE, with a net interest margin of 3.65%. The bank's CET1 capital ratio is 10.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 4.53% and a Texas Ratio of 42.80%. FDIC Certificate #58665.

Assets

$15.1B

Deposits

$13.8B

Loans

$12.4B

Equity

$1.1B

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 16.54%
Net Interest Margin (NIM) 3.65%
Yield on Assets 7.02%
Cost of Funds 3.60%

Asset Quality

NPL Ratio 4.53%
Net Charge-Off Ratio 0.55%
Texas Ratio 42.80%
NPA Ratio 3.78%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 10.46%
Tier 1 Capital 10.46%
Total Capital Ratio 11.72%
Leverage Ratio 7.77%
Loan-to-Deposit 89.65%

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