Live Oak Banking Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1.14 percentage points lower than in Q1 2026, at 30.95%. Live Oak Banking Company ranks 21st of 38 North Carolina banks on return on assets, in the lower half at 1.04% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Live Oak Banking Company sits 0.25 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.46% |
| Tier 1 risk-based capital ratio | 10.46% |
| Total risk-based capital ratio | 11.72% |
| Tier 1 leverage ratio | 7.99% |
| Equity capital to assets | 7.60% |
| Tangible equity to tangible assets | 7.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.75% |
| Non-performing assets ratio | 3.98% |
| Net charge-off ratio | 0.75% |
| Texas ratio | 46.38% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 30.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 13.51% |
| Net interest margin | 3.36% |
| Efficiency ratio | 51.19% |
| Yield on earning assets | 6.40% |
| Cost of funds | 3.25% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.53% |
| Core deposits to total deposits | 66.91% |
| Brokered deposits to total deposits | 28.75% |
| Deposits to assets | 91.98% |
| Securities to assets | 9.20% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.25% | 10.25% | 11.51% | 7.35% | 1.50% |
| Q4 2023 | 10.40% | 10.40% | 11.65% | 7.41% | 0.65% |
| Q1 2024 | 11.86% | 11.86% | 13.12% | 8.42% | 0.99% |
| Q2 2024 | 11.84% | 11.84% | 13.09% | 8.48% | 0.98% |
| Q3 2024 | 11.17% | 11.17% | 12.43% | 8.39% | 0.50% |
| Q4 2024 | 10.96% | 10.96% | 12.22% | 8.04% | 0.41% |
| Q1 2025 | 10.64% | 10.64% | 11.90% | 7.90% | 0.40% |
| Q2 2025 | 10.65% | 10.65% | 11.91% | 7.79% | 0.76% |
| Q3 2025 | 10.48% | 10.48% | 11.74% | 7.81% | 0.84% |
| Q4 2025 | 10.46% | 10.46% | 11.72% | 7.77% | 1.24% |
| Q1 2026 | 10.61% | 10.61% | 11.87% | 7.81% | 0.89% |
| Q2 2026 | 10.46% | 10.46% | 11.72% | 7.99% | 1.04% |
Live Oak Banking Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Live Oak Banking Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)