C
Live Oak Banking Company
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Live Oak Banking Company
Wilmington, NC
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Rating C
Asset Quality Index 4.90
Capitalization Index 5.90
Liquidity Index 2.50
Profitability Index 0.30
Stability Index 5.60
Company Info Live Oak Banking Company
Wilmington, NC
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FDIC Number 58665
Phone Number (866) 518-0286
Website www.liveoakbank.com
Asset Quality Live Oak Banking Company
Wilmington, NC
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1-Year Asset Growth 18.14%
5-Year Asset Growth 33.66%
5-Year Charge-Offs to Average Loans 0.24%
Charge-Offs to Average Loans 0.25%
Non-Performing Assets to Assets 1.16%
Non-Performing Loans to Capital 10.73%
Non-Performing Loans to Loans 4.85%
Balance Sheet Live Oak Banking Company
Wilmington, NC
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Total Assets 13.50B
Total Deposits 12.45B
Capital and Reserves Live Oak Banking Company
Wilmington, NC
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Capital 1.00B
Leverage Ratio 7.90
Loan Loss Reserves to Loans 1.72%
Risk-Based Capital Ratio 11.90
Liquidity Live Oak Banking Company
Wilmington, NC
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Hot Money Ratio 14.98%
Liquidity Ratio 11.51%
Profitability Live Oak Banking Company
Wilmington, NC
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5-Year Return on Average Assets 0.92%
Net Income 13.19M
Net Interest Spread 3.20%
Operating Profit to Average Assets 0.54%
Overhead Efficiency Ratio 63.14%
Return on Assets 0.40%
Return on Equity 5.35%