Live Oak Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Live Oak Banking Company of Wilmington, NC against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.04% | 1.35% | -0.31% | 28th below |
| ROAE | 13.51% | 12.28% | +1.23% | 73rd above |
| Net Interest Margin | 3.36% | 3.68% | -0.32% | 36th below |
| Efficiency Ratio | 51.19% | 53.82% | -2.63% | 63rd above |
| PPNR / Avg Assets | 1.98% | 1.96% | +0.02% | 63rd above |
| Yield on Earning Assets | 6.40% | 5.57% | +0.83% | 91st top |
| Cost of Funds | 3.25% | 1.99% | +1.26% | 7th bottom |
| Net Interest Spread | 3.03% | 2.98% | +0.05% | 59th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.75% | 1.04% | +3.71% | 1st bottom |
| NPA / Total Assets | 3.98% | 0.75% | +3.23% | 0th bottom |
| NCO / Avg Loans | 0.75% | 0.36% | +0.39% | 10th bottom |
| ACL / Total Loans | 1.47% | 1.37% | +0.10% | 86th top |
| ACL / NPLs (Coverage) | 30.95% | 210.68% | -179.73% | 5th bottom |
| Texas Ratio | 46.38% | 10.09% | +36.29% | 1st bottom |
| Provision / NCO | 102.70% | 107.44% | -4.74% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.46% | 14.76% | -4.30% | 1st bottom |
| Tier 1 Ratio | 10.46% | 14.88% | -4.42% | 1st bottom |
| Total Capital Ratio | 11.72% | 16.10% | -4.38% | 2nd bottom |
| Leverage Ratio | 7.99% | 10.27% | -2.28% | 7th bottom |
| Equity / Assets | 7.60% | 11.56% | -3.96% | 5th bottom |
| TCE / Tangible Assets | 7.40% | 9.49% | -2.09% | 9th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.53% | 83.86% | +5.67% | 37th below |
| Core Deposit Ratio | 66.91% | 86.84% | -19.93% | 6th bottom |
| Uninsured Deposit Ratio | 16.60% | 39.03% | -22.43% | 86th top |
| Wholesale Funding Ratio | 0.00% | 5.67% | -5.67% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.15% | 10.06% | +6.09% | 80th top |
| Loan Growth (Y/Y) | 15.64% | 10.10% | +5.54% | 77th top |
| Deposit Growth (Y/Y) | 16.18% | 9.92% | +6.26% | 80th top |
See Live Oak Banking Company's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Live Oak Banking Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Live Oak Banking Company profile, how to read a UBPR, or how this data updates.