Bank call report · Wilmington, NC
Live Oak Banking Company Call Report
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Live Oak Banking Company filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 481 reported line items, schedule by schedule (1,009 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 3650808 |
| FDIC certificate number | 58665 |
| Total assets | $15.96B |
Official Q2 2026 call report PDF (FFIEC) →
Live Oak Banking Company call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (27 items)
About Schedule RC · Live Oak Banking Company balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $15.96B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $15.96B |
| Total Liabilities and Minority Interest | RCON2948 | $14.75B |
| Total Deposits | RCON2200 | $14.68B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $13.94B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $12.63B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $12.44B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $1.47B |
| Total Equity Capital | RCON3210 | $1.21B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $1.21B |
| Interest-bearing Balances | RCON0071 | $904.1M |
| Undivided Profits and Capital Reserves | RCON3632 | $894.9M |
| Deposits: Noninterest-bearing | RCON6631 | $738.1M |
| Loans and Leases Held for Sale | RCON5369 | $511.8M |
| Surplus | RCON3839 | $366.6M |
| Other Assets | RCON2160 | $349.6M |
| Allowance for Loan and Lease Losses | RCON3123 | $193.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $156.2M |
| Intangible Assets | RCON2143 | $69.8M |
| Other Liabilities, Total | RCON2930 | $66.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$52.6M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $29.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $22.6M |
| Other Real Estate Owned | RCON2150 | $11.0M |
| Common Stock | RCON3230 | $4.4M |
| Goodwill | RCON3163 | $1.8M |
| Other Borrowed Money | RCON3190 | $51K |
Schedule RI: Income Statement (46 items)
About Schedule RI · Live Oak Banking Company income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $475.2M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $435.8M |
| Net Interest Income | RIAD4074 | $247.6M |
| Total Interest Expense | RIAD4073 | $227.6M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $220.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $169.1M |
| Total Noninterest Expense | RIAD4093 | $161.3M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $114.6M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $95.7M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $95.7M |
| Salaries and Employee Benefits | RIAD4135 | $94.2M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $93.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $73.9M |
| Net Income (Loss) | RIAD4340 | $73.9M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $73.9M |
| Total Noninterest Income | RIAD4079 | $55.3M |
| Other Noninterest Expense | RIAD4092 | $52.7M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $45.9M |
| Provision for Loan and Lease Losses | RIAD4230 | $43.9M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $37.0M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $33.0M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $25.9M |
| Applicable Income Taxes | RIAD4302 | $21.8M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $14.3M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $13.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $12.1M |
| Net Servicing Fees | RIADB492 | $10.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $9.2M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $7.7M |
| Other Noninterest Income | RIADB497 | $7.5M |
| Net Gains (Losses) Recognized in Earnings on Assets That Are Reported at Fair Value Option | RIADF551 | $6.6M |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $4.3M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $875K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $875K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $652K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $570K |
| Venture Capital Revenue | RIADB491 | -$438K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $375K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $365K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$238K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | -$186K |
| Interest on Other Securities | RIAD4060 | $159K |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $76K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $17K |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 1,038 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $926.7M |
| Balances Due from Federal Reserve Banks | RCON0090 | $807.4M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $112.8M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $6.6M |
Schedule RC-B: Securities (37 items)
About Schedule RC-B · Live Oak Banking Company securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $72.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $71.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $786.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $751.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $57.2M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $48.4M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Amortized Cost | RCONG374 | $6.8M |
| Structured Financial Products by Underlying Collateral or Reference Assets: Other Collateral or Reference Assets - Available-for-sale Fair Value | RCONG375 | $6.6M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $1.54B |
| Pledged Securities | RCON0416 | $508.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $384.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $366.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $309.5M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $206.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $200.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $190.4M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $161.8M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $151.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $137.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $128.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $107.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $104.5M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $86.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $50.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $26.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $23.5M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $20.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $20.1M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $13.6M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Amortized Cost | RCONHT60 | $6.8M |
| Structured financial products guaranteed by U.S. Government agencies or sponsored agencies included in Schedule HC-B, item 5.b -- Available-for-sale: Amortized Cost | RCONPV00 | $6.8M |
| Asset-backed securities and structured financial products, Structured financial products, Available for sale, Fair Value | RCONHT61 | $6.6M |
| Guaranteed by U.S. Government Agencies or Sponsored Agencies Included in Schedule Rc-b, Item 5.B - Available-for-sale, Fair Value | RCONPV01 | $6.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $3.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $3.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $83K |
Schedule RC-C, Part I: Loans and Leases (44 items)
About Schedule RC-C, Part I · Live Oak Banking Company loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $13.14B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $8.88B |
| Commercial and Industrial Loans | RCON1766 | $4.77B |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $4.77B |
| Pledged Loans and Leases | RCONG378 | $3.08B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $3.04B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $2.13B |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $1.15B |
| Other loans to nondepository financial institutions | RCONPV09 | $1.15B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $1.02B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $994.2M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $969.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $952.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $822.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $786.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $558.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $338.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $218.3M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $127.4M |
| Unpaid Principal Balance of Commericial and Industrial Loans Measured at Fair Value: | RCONF597 | $114.5M |
| Commercial and Industrial Loans Measured at Fair Value (Domestic Only) | RCONF585 | $109.6M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $97.3M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $67.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $67.9M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $38.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $35.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $27.7M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $26.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $25.0M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $9.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $5.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $4.0M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $3.6M |
| Unpaid Principal Balance of Other Loans | RCONF601 | $3.3M |
| Other Loans Measured at Fair Value | RCONF589 | $3.3M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $2.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $1.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $1.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $1.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $1.3M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $9K |
| Other Loans | RCONJ464 | $9K |
| All Other Lease Financing Receivables | RCONF163 | $2K |
| Lease Financing Receivables (Net of Unearned Income) | RCON2165 | $2K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $482.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $260.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $76.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $19.5M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $4.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $3.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $2.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $1.9M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $399K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $344K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $322K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $113K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 5,136 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 2,138 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1,797 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 1,651 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 153 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 90 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 61 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 34 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 28 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 27 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 23 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 19 |
Schedule RC-E: Deposit Liabilities (38 items)
About Schedule RC-E · Live Oak Banking Company deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $13.48B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $13.33B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $7.26B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $4.22B |
| Total Brokered Deposits | RCON2365 | $4.22B |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $4.16B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $4.02B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $3.57B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $3.22B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $2.98B |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $2.95B |
| Total Transaction Accounts | RCON2215 | $1.20B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.20B |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $1.15B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.09B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.05B |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $1.04B |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $636.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $630.6M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $521.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $510.5M |
| Total reciprocal deposits | RCONJH83 | $292.2M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $280.9M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $280.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $193.2M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $173.8M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $148.9M |
| Estimated Amount of Deposits Obtained Through the Use of Deposit Listing Services That Are Not Brokered Deposits | RCONK223 | $137.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $120.1M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $83.9M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $61.3M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $8.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $5.4M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $812K |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $726K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $250K |
| Total Nontransaction Accounts of United States Government | RCON2520 | $201K |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $195K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $199.6M |
| Accrued Interest Receivable | RCONB556 | $90.5M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $69.2M |
| Second Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3550 | $66.0M |
| Net Deferred Tax Assets | RCON2148 | $44.7M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $14.7M |
| Other Assets, Interest-only strips receivable (not in the form of a security) | RCONHT80 | $89K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $34.8M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $18.4M |
| All Other Liabilities | RCON2938 | $11.9M |
| Accounts Payable | RCON3066 | $6.2M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.1M |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Live Oak Banking Company quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $15.43B |
| Quarterly Average of Total Loans | RCON3360 | $12.87B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $7.38B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $6.76B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $5.01B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $4.72B |
| Mortgage-backed Securities | RCONB559 | $1.49B |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $707.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $616.3M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $420.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $247.4M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $20.3M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $13.3M |
| All Other Securities | RCONB560 | $9.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $63K |
| Lease Financing Receivables (Net of Unearned Income) - Quarterly Average | RCON3484 | $4K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (11 items)
About Schedule RC-L · Live Oak Banking Company derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Over the Counter Derivatives: Net Current Credit Exposure - Corporations and All Other Counterparties | RCONG422 | $2.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $1.23B |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $990.4M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $371.3M |
| Other unused commitments: Other loans to nondepository financial institutions | RCONPV16 | $371.3M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $92.8M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $62.9M |
| Purchased OTC Equity Derivative Option Contracts | RCON8715 | $13.7M |
| Total Gross Notional Amount of Equity Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8727 | $13.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $6.6M |
| Gross Positive Fair Value of Equity Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8743 | $2.1M |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · Live Oak Banking Company memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $34.3M |
| Mortgage Servicing Assets | RCON3164 | $34.3M |
| All other intangible assets | RCONJF76 | $33.6M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $8.9M |
| All Other Real Estate Owned: Farmland in Domestic Offices | RCON5509 | $2.1M |
| Outstanding balance of PPP loans | RCONLG27 | $471K |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $51K |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $51K |
| Number of outstanding PPP Loans | RCONLG26 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (29 items)
About Schedule RC-N · Live Oak Banking Company past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $527.6M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $450.9M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $399.2M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $265.9M |
| Additions to Nonaccrual Assets | RCONC410 | $229.7M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $178.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $42.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $36.9M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $23.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $22.2M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $22.2M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $22.1M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $16.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $13.3M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $12.5M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $12.4M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $12.2M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $11.2M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $4.3M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $3.9M |
| Loan Mod to Borrowers Experiencing Fin Dfclty : Commercial and Industrial Loans - to US Addressees - Past Due 30 Through 89 Days and Still Accruing | RCONK120 | $3.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK257 | $3.0M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Past Due 30 Through 89 Days and Still Accruing | RCONHK26 | $3.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $2.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $1.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $1.4M |
| All Other Loans - Nonaccrual | RCON5461 | $33K |
| Loans to Nondepository Financial Institutions Included in Schedule Rc-n, Item 7 - Nonaccrual | RCONPV25 | $28K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (21 items)
About Schedule RC-O · Live Oak Banking Company other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $15.43B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $14.71B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $9.99B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $4.72B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $2.44B |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCONN178 | $1.76B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $1.23B |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCONN181 | $1.15B |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONK676 | $1.07B |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $636.3M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements): Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONN177 | $429.7M |
| Portion of Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate That Are Guarnateed or Insured by the U.S. Government (Including the FDIC) | RCONK677 | $322.9M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by Junior Liens on 1-4 Family Residential Properties and Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCONN180 | $111.6M |
| Portion of Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms and Are Guaranteed or Insured by the U.S. Government (Including the FDIC) (Included in Schedule Rc-c, Part I, | RCONL189 | $42.6M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCONN179 | $15.9M |
| Amount of Other Real Estate Owned Recoverable from the U.S. Government Under Guarantee or Insurance Provisions (Excluding FDIC Loss-sharing Agreements). | RCONK669 | $8.0M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $812K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 170,792 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 9,032 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 5 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases Held for Investment - Level 3 Fair Value Measurements | RCONG492 | $232.1M |
| Loans and Leases Held for Investment - Total Fair Value Reported on Schedule Rc | RCONG488 | $232.1M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $1.77B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $1.47B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $1.47B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $1.47B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 3 Fair Value Measurements | RCONG506 | $300.9M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, All other loans secured by real estate, Domestic Offices | RCONHT92 | $118.5M |
| Loans measured at fair value, Loans secured by real estate, All other loans secured by real estate, Domestic Offices | RCONHT88 | $115.3M |
| All Other Assets - Level 3 Fair Value Measurements | RCONG804 | $68.7M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $68.7M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Level 3 Fair Value Measurements | RCONG540 | $34.3M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Mortgage Servicing Rights - Total Fair Value Reported on Schedule Rc | RCONG536 | $34.3M |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Level 3 Fair Value Measurements | RCONG550 | $32.3M |
| First Itemized Amount That Exceeds $100,000 and Exceed 25% of All Other Assets Measured at Fair Value on a Recurring Basis (Rc-q 6.) - Total Fair Value Reported on Schedule Rc | RCONG546 | $32.3M |
| Loans measured at fair value, Unpaid principal balance of loans measured at fair value, Secured by 1-4 family residential properties, Domestic Offices | RCONHT91 | $4.1M |
| Loans measured at fair value, Loans secured by real estate, Secured by 1-4 family residential properties, Domestic Offices | RCONHT87 | $3.9M |
| Available-for-sale Securities - Level 3 Fair Value Measurements | RCONG477 | $83K |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Live Oak Banking Company regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Live Oak Banking Company regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $15.43B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $15.39B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $11.76B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $1.38B |
| Common Equity Tier 1 Capital | RCOAP859 | $1.23B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $1.23B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $1.23B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $1.21B |
| Retained Earnings | RCOAKW00 | $894.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $371.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $147.8M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $147.8M |
| Tier 2 Capital Before Deductions | RCOAP870 | $147.8M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$52.6M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$52.6M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $35.4M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $33.6M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $1.8M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1172 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1046 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1046 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0799 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0372 |
Schedule RC-R, Part II: Risk-Weighted Assets (79 items)
About Schedule RC-R, Part II · Live Oak Banking Company risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $11.82B |
| Total Risk-weighted Assets | RCONG641 | $11.76B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $10.84B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $9.83B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $9.83B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $8.87B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $8.30B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $5.53B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $5.21B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $2.52B |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $2.39B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $1.47B |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $1.24B |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $1.20B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $1.13B |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $1.13B |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $1.11B |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $941.7M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $926.7M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $808.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $663.4M |
| Total All Other Assets | RCOND981 | $616.1M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $539.5M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $527.6M |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS491 | $499.8M |
| Total On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures | RCONS490 | $499.8M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $442.2M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $437.7M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $436.2M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 20 Pct Risk Weight Category | RCONS452 | $399.2M |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $321.4M |
| Loans and Leases Held for Sale, All Other Exposures - 20 Pct Risk Weight Category | RCONS434 | $317.9M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $305.8M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $301.2M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $274.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $247.9M |
| Allocation by Risk Weight Category 20%, Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONH180 | $233.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $227.3M |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $187.0M |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $187.0M |
| Total Loans and Leases Held for Sale, High Volatility Commercial Real Estate Exposures | RCONS419 | $161.0M |
| Allocation by Risk Weight Category 20%, Loans and Leases Held for Sale, High Volatility Commercial Real Estate Exposures | RCONH175 | $159.0M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $128.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $128.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $118.1M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $105.5M |
| On-balance Sheet Securitization Exposures, All Other On-balance Sheet Securitization Exposures -Ssfa Risk Weight Exposure, by Calculation Method | RCONS493 | $99.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS441 | $98.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $85.8M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$69.2M |
| Financial Standby Letters of Credit - 20 Pct Risk Weight Category | RCOND994 | $62.9M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $62.9M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $62.9M |
| Unconditionally Cancellable Commitments | RCONS540 | $57.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $50.7M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $37.6M |
| Off-balance Sheet Securitization Exposures - Ssfa Risk Weight Exposure, by Calculation Method | RCONS498 | $37.4M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $34.3M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $34.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $34.3M |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $29.3M |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 20 Pct Risk Weight Category | RCONS415 | $28.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $14.2M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Equity - Over Five Years | RCONS596 | $10.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $10.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $10.1M |
| Unused Commitments, Original Maturity Exceeding One Year - 150 Pct Risk Weight Category | RCONS539 | $6.0M |
| Loans and Leases Held for Sale, All Other Exposures - 100 Pct Risk Weight Category | RCONS436 | $3.5M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $3.5M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $3.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Equity - Over One Year Through Five Years | RCONS595 | $3.3M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $2.1M |
| Loans and Leases Held for Sale, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS421 | $2.0M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $974K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS417 | $598K |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $83K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $83K |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $83K |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $42K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $5.77B |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $226.1M |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $1.21B |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $1.14B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $1.14B |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $9.6M |
| Other Comprehensive Income | RIADB511 | -$7.9M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (13 items)
About Schedule RI-B, Part I · Live Oak Banking Company charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $50.5M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $43.5M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $7.8M |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $7.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $4.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $1.4M |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $768K |
| Charge-offs on Loans Secured by Farmland | RIAD3584 | $438K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Recoveries | RIADC898 | $374K |
| Other Construction Loans and All Land Development and Other Land Loans, Recoveries | RIADC894 | $221K |
| Other Construction Loans and All Land Development and Other Land Loans, Charge-offs | RIADC893 | $209K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $84K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $72K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 items)
About Schedule RI-B, Part II · Live Oak Banking Company changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $193.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $192.3M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $50.5M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $2.0M |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (10 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $12.40B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $5.69B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $5.65B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $808.8M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $246.0M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $193.4M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $137.4M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $45.0M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $8.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $2.5M |
Schedule RI-E: Explanations (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $16.1M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $7.5M |
| Marketing and Other Professional Services | RIAD0497 | $5.5M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $4.4M |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $1.3M |
| Second Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4462 | $1.1M |
Live Oak Banking Company call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Live Oak Banking Company call report?
The Live Oak Banking Company call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Live Oak Banking Company file?
Live Oak Banking Company files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Live Oak Banking Company call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Live Oak Banking Company has Federal Reserve RSSD ID 3650808 and FDIC certificate number 58665. Either one finds its filings on the FFIEC Central Data Repository.
How often does Live Oak Banking Company file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Live Oak Banking Company financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 58665) · FFIEC NIC profile (RSSD 3650808)