Live Oak Banking Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 13.38 percentage points higher than in Q1 2026, at 228.46%. 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.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $13.14B |
| Net loans and leases | $12.95B |
| Loans held for sale | $511.8M |
| Loans to total assets | 82.35% |
| Loan-to-deposit ratio | 89.53% |
| Net loans to equity capital | 10.67% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.31% |
| Multifamily (5+ residential) | 0.20% |
| Commercial and industrial | 36.27% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 5.98% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.04% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 228.46% |
| Construction concentration (Tier 1 capital + allowance) | 68.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.89% |
| Interest income on loans | $221.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $8.78B | $10.09B | 33.92% | 46.74% | 0.00% |
| Q4 2023 | $9.02B | $10.37B | 36.01% | 45.43% | 0.00% |
| Q1 2024 | $9.22B | $10.46B | 36.74% | 44.50% | 0.00% |
| Q2 2024 | $9.54B | $10.79B | 37.57% | 43.24% | 0.00% |
| Q3 2024 | $10.19B | $11.47B | 38.22% | 42.08% | 0.00% |
| Q4 2024 | $10.58B | $11.82B | 37.62% | 42.09% | 0.00% |
| Q1 2025 | $11.06B | $12.45B | 37.61% | 40.92% | 0.00% |
| Q2 2025 | $11.36B | $12.64B | 38.48% | 39.31% | 0.00% |
| Q3 2025 | $11.92B | $13.43B | 39.30% | 38.52% | 0.00% |
| Q4 2025 | $12.39B | $13.83B | 40.23% | 37.95% | 0.00% |
| Q1 2026 | $12.59B | $13.97B | 38.86% | 37.10% | 0.00% |
| Q2 2026 | $13.14B | $14.68B | 39.31% | 36.27% | 0.00% |
Live Oak Banking Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Live Oak Banking Company, freeSource: Call Report Schedule RC-C, 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)