BanksLIVE OAK BANKING COMPANY

LIVE OAK BANKING COMPANY

WILMINGTON, NCRegionalEst. May 12, 2008, midnightFDIC #58665RSSD #3650808FDIC
Latest · 2025-12-31

LIVE OAK BANKING COMPANY is an 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%. CET1 capital ratio: 10.46%, well above regulatory minimums. NPL ratio: 4.53% · Texas Ratio: 42.80%. Operates 1 domestic branch.

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 Margin3.65%
Yield on Assets7.02%
Cost of Funds3.37%

Asset Quality

NPL Ratio4.53%
Net Charge-Off Ratio0.55%
Texas Ratio42.80%
NPA Ratio3.78%
ACL / Loans1.55%

Capital & Liquidity

CET1 Ratio10.46%
Tier 1 Capital10.46%
Total Capital Ratio11.72%
Leverage Ratio7.77%
Loan-to-Deposit89.65%

This is just the summary.

The full dashboard covers 4,287 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required