Live Oak Banking Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Cash and balances due from depository institutions: 13.7% higher than in Q1 2026, at $926.7M. Within North Carolina, Live Oak Banking Company is 13th of 38 on loan-to-deposit ratio, 89.53% as of Q2 2026, above the middle of the field. Live Oak Banking Company reported 89.53% on loan-to-deposit ratio for Q2 2026, 2.69 points above the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $926.7M |
| Cash and noninterest-bearing balances to assets | 5.81% |
| Cash and securities | $2.39B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $51K |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.53% |
| Net loans and leases to deposits | 88.21% |
| Loans and leases to core deposits | 93.58% |
| Core deposits to total deposits | 66.91% |
| Brokered deposits to total deposits | 28.75% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 87.00% | 67.58% | $0 | $0 |
| Q4 2023 | 86.99% | 64.68% | $0 | $0 |
| Q1 2024 | 88.14% | 66.57% | $0 | $0 |
| Q2 2024 | 88.41% | 66.92% | $0 | $0 |
| Q3 2024 | 88.82% | 64.74% | $0 | $144K |
| Q4 2024 | 89.50% | 63.78% | $0 | $132K |
| Q1 2025 | 88.88% | 65.75% | $0 | $119K |
| Q2 2025 | 89.94% | 69.26% | $0 | $111K |
| Q3 2025 | 88.74% | 68.19% | $0 | $99K |
| Q4 2025 | 89.65% | 66.00% | $0 | $82K |
| Q1 2026 | 90.17% | 67.58% | $0 | $66K |
| Q2 2026 | 89.53% | 66.91% | $0 | $51K |
Live Oak Banking Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Live Oak Banking Company, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Live Oak Banking Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58665) · FFIEC NIC profile (RSSD 3650808)