Live Oak Banking Company: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Cost of borrowings climbed 2.64 percentage points in Q2 2026, from 3.71% to 6.35%. It was the largest change from Q1 2026 among the key lines here. Within North Carolina, Live Oak Banking Company is 20th of 38 on net interest margin, 3.36% as of Q2 2026, below the middle of the field. Live Oak Banking Company reported 3.36% on net interest margin for Q2 2026, 0.24 points below the 3.60% median for banks in the $10B-100B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.40% |
| Yield on loans | 6.89% |
| Yield on securities | 3.53% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.25% |
| Cost of interest-bearing deposits | 3.37% |
| Cost of interest-bearing liabilities | 3.37% |
| Cost of borrowings | 6.35% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.36% |
| Yield to cost spread | 3.03% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $221.7M |
| Total interest expense | $114.8M |
| Interest expense on deposits | $114.8M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.86% | 3.63% | 3.40% | 7.59% | 2.77% |
| Q4 2023 | 6.97% | 3.80% | 3.35% | 7.67% | 2.80% |
| Q1 2024 | 7.06% | 3.92% | 3.31% | 7.73% | 2.89% |
| Q2 2024 | 7.08% | 3.98% | 3.32% | 7.75% | 2.92% |
| Q3 2024 | 7.21% | 4.04% | 3.41% | 7.87% | 3.03% |
| Q4 2024 | 6.90% | 3.92% | 3.22% | 7.52% | 3.13% |
| Q1 2025 | 6.67% | 3.70% | 3.20% | 7.25% | 3.21% |
| Q2 2025 | 6.71% | 3.61% | 3.32% | 7.30% | 3.31% |
| Q3 2025 | 6.72% | 3.54% | 3.40% | 7.27% | 3.43% |
| Q4 2025 | 6.64% | 3.40% | 3.45% | 7.20% | 3.46% |
| Q1 2026 | 6.35% | 3.26% | 3.28% | 6.86% | 3.49% |
| Q2 2026 | 6.40% | 3.25% | 3.36% | 6.89% | 3.53% |
Live Oak Banking Company yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Live Oak Banking Company, freeSource: Call Report Schedules RI and RC-K, 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)