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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.83% | 1.24% | 0.89% | 1.03% | +27 bps | |
| Return on Equity | 10.18% | 11.11% | 16.54% | 11.66% | 13.51% | +333 bps | |
| Net Interest Margin | 3.23% | 3.32% | 3.37% | 3.19% | 3.29% | +6 bps | |
| Efficiency Ratio | 58.97% | 57.15% | 46.97% | 55.37% | 51.22% | -776 bps | |
| Non-Interest Burden | 1.55% | 1.53% | 1.11% | 1.47% | 1.31% | -24 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.58% | 16.41% | 17.13% | 12.78% | 16.15% | -43 bps | |
| Loan Growth (YoY) | 19.18% | 16.91% | 17.15% | 13.85% | 15.64% | -354 bps | |
| Deposit Growth (YoY) | 17.16% | 17.02% | 16.96% | 12.22% | 16.18% | -98 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 4.08% | 4.33% | 4.53% | 4.00% | 4.01% | -7 bps | |
| Net Charge-Offs / Loans | 1.11% | 0.56% | 0.44% | 0.59% | 0.74% | -37 bps | |
| Allowance / Loans | 1.60% | 1.56% | 1.55% | 1.53% | 1.47% | -13 bps | |
| Allowance Coverage of NPLs | 0.4x | 0.4x | 0.3x | 0.4x | 0.4x | 0.0x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 7.79% | 7.81% | 7.77% | 7.81% | 7.99% | +20 bps | |
| Total Risk-Based Capital | 11.91% | 11.74% | 11.72% | 11.87% | 11.72% | -19 bps | |
| Equity / Assets | 7.57% | 7.43% | 7.56% | 7.69% | 7.60% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.94% | 88.74% | 89.65% | 90.17% | 89.53% | -42 bps | |
| Liquid Assets / Assets | 4.69% | 6.00% | 5.63% | 5.25% | 5.66% | +97 bps | |
| CRE / Total Capital | n/a | 501% | 503% | 493% | n/a | n/a | |