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Live Oak Banking Company
Wilmington, NC·FDIC Cert #58665·Charter: STATE·Est. 20080512.0·HC: LIVE OAK BANCSHARES INC
Total Assets
$15.1B
Q4 2025
Return on Assets
0.82%
+0.15%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.12%
Peer avg: 54.6%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
51
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.82%+0.15
ROE
10.95%+2.01
Efficiency
56.12%-3.48
Equity/Assets
0.00%+0.00
NPL Ratio
4.60%+0.20
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
88.26%+0.90
Charge-offs
0.60%-0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.0 | 1.0 | 0.8 | 0.7 | 0.4 | 0.6 | 0.7 | 0.8 |
| ROE | 13.6 | 13.1 | 10.7 | 9.3 | 5.3 | 7.8 | 8.9 | 10.9 |
| Efficiency | 63.7 | 61.4 | 60.0 | 60.0 | 63.1 | 60.9 | 59.6 | 56.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 2.2 | 2.4 | 2.7 | 3.5 | 4.5 | 4.1 | 4.4 | 4.6 |
| Charge-offs | 0.1 | 0.2 | 0.2 | 0.5 | 0.3 | 0.7 | 0.7 | 0.6 |
| Loan/Deposit | 86.8 | 87.1 | 87.4 | 88.1 | 87.4 | 88.5 | 87.4 | 88.3 |
Balance Sheet
Total Assets$15.1B
Total Deposits$13.8B
Total Loans$12.2B
Total Equity$1.1B
Profitability
ROA0.82%
ROE10.95%
Efficiency Ratio56.12%
Net Income$114.6M
Risk & Asset Quality
NPL Ratio4.60%
Charge-off Rate0.60%
Loan/Deposit88.26%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans