Live Oak Banking Company
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
$16.0BAssets
$13.1BLoans
$14.7BDeposits
$1.2BEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 62% of banks over $10B in assets (rank 55 of 144).
- Widest gap: total risk-based capital ratio trails 99% of banks over $10B in assets (rank 142 of 144).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $212.0M · efficiency ratio beats 62% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |