Wilmington, NC · Cert 58665 · Live Oak Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
3
Asset Quality
9
Profitability
40
Liquidity
68
Efficiency
62
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wilmington, NC · Cert 58665 · Live Oak Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Wilmington, NC · 2026 SOD (annual) · 53.1% share · #1 of 24 inst. · $14.7B of $27.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.71% | 0.40% | 0.59% | 0.67% | 0.82% | 0.89% | 0.96% | +37 bps | |
| Return on Equity | 10.73% | 9.33% | 5.35% | 7.80% | 8.94% | 10.95% | 11.66% | 12.59% | +479 bps | |
| Net Interest Margin | 3.13% | 3.00% | 3.11% | 3.11% | 3.12% | 3.08% | 3.19% | 3.22% | +11 bps | |
| Efficiency Ratio | 59.96% | 60.00% | 63.11% | 60.94% | 59.60% | 56.12% | 55.37% | 53.22% | -771 bps | |
| Non-Interest Burden | 1.50% | 1.44% | 1.68% | 1.58% | 1.53% | 1.37% | 1.47% | 1.37% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.27% | 14.72% | 18.14% | 16.58% | 16.41% | 17.13% | 12.78% | 16.15% | -43 bps | |
| Loan Growth (YoY) | 16.14% | 17.28% | 19.93% | 19.18% | 16.91% | 17.15% | 13.85% | 15.64% | -354 bps | |
| Deposit Growth (YoY) | 13.76% | 13.99% | 18.94% | 17.16% | 17.02% | 16.96% | 12.22% | 16.18% | -98 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.69% | 3.48% | 4.43% | 4.08% | 4.33% | 4.53% | 4.00% | 4.01% | -7 bps | |
| Net Charge-Offs / Loans | 0.17% | 0.44% | 0.24% | 0.67% | 0.62% | 0.55% | 0.59% | 0.65% | -2 bps | |
| Allowance / Loans | 1.66% | 1.58% | 1.72% | 1.60% | 1.56% | 1.55% | 1.53% | 1.47% | -13 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.4x | 0.4x | 0.4x | 0.3x | 0.4x | 0.4x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.39% | 8.04% | 7.90% | 7.79% | 7.81% | 7.77% | 7.81% | 7.99% | +20 bps | |
| Total Risk-Based Capital | 12.43% | 12.22% | 11.90% | 11.91% | 11.74% | 11.72% | 11.87% | 11.72% | -19 bps | |
| Equity / Assets | 7.79% | 7.55% | 7.42% | 7.57% | 7.43% | 7.56% | 7.69% | 7.60% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.82% | 89.50% | 88.88% | 89.94% | 88.74% | 89.65% | 90.17% | 89.53% | -42 bps | |
| Liquid Assets / Assets | 5.27% | 4.61% | 5.33% | 4.69% | 6.00% | 5.63% | 5.25% | 5.66% | +97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 501% | 503% | 493% | n/a | n/a | |
Wilmington, NC · Cert 58665 · Peer group: banks over $10B in assets (n=142-144) · Live Oak Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
0.93%
Rank 117 of 144
Net Interest Margin
3.22%
Rank 82 of 144
Efficiency Ratio
53.25%
Rank 55 of 144
Equity / Assets
7.60%
Rank 132 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 1.00% | 1.26% | 1.54% | Beats 19% | 117 / 144 | ||
| Return on Equity | 12.18% | 8.98% | 11.34% | 14.40% | Beats 58% | 61 / 144 | ||
| Net Interest Margin | 3.22% | 2.82% | 3.31% | 3.68% | Beats 43% | 82 / 144 | ||
| Efficiency Ratio | 53.25% | 49.42% | 56.02% | 62.41% | Beats 62% | 55 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.01% | 0.48% | 0.73% | 1.07% | Beats 2% | 140 / 142 | ||
| Net Charge-Offs / Loans | 0.38% | 0.05% | 0.11% | 0.22% | Beats 15% | 122 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.46% | 12.07% | 12.98% | 14.92% | Beats 1% | 142 / 144 | ||
| Total Risk-Based Capital Ratio | 11.72% | 13.39% | 14.14% | 16.25% | Beats 1% | 142 / 144 | ||
| Equity / Assets | 7.60% | 9.69% | 11.39% | 12.96% | Beats 8% | 132 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.53% | 75.72% | 84.92% | 91.56% | 67th pctl | 47 / 143 | ||
| Loans / Assets | 82.35% | 59.83% | 69.07% | 74.80% | 95th pctl | 7 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||