C
Live Oak Banking Company
Rating Date
October 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 5.10
Capitalization Index 5.80
Liquidity Index 2.60
Profitability Index 3.40
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 16.41%
5-Year Asset Growth 33.66%
5-Year Charge-Offs to Average Loans 0.24%
Charge-Offs to Average Loans 0.65%
Non-Performing Assets to Assets 1.12%
Non-Performing Loans to Capital 9.07%
Non-Performing Loans to Loans 4.92%
Balance Sheet Live Oak Banking Company
Wilmington, NC
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Total Assets 14.58B
Total Deposits 13.43B
Capital and Reserves Live Oak Banking Company
Wilmington, NC
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Capital 1.08B
Leverage Ratio 7.81
Loan Loss Reserves to Loans 1.56%
Risk-Based Capital Ratio 11.74
Liquidity Live Oak Banking Company
Wilmington, NC
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Hot Money Ratio 12.97%
Liquidity Ratio 12.47%
Profitability Live Oak Banking Company
Wilmington, NC
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5-Year Return on Average Assets 0.92%
Net Income 68.69M
Net Interest Spread 3.31%
Operating Profit to Average Assets 0.90%
Overhead Efficiency Ratio 59.62%
Return on Assets 0.67%
Return on Equity 8.95%