Call reports 2025
LIVE OAK BANKING COMPANY — 2025
What LIVE OAK BANKING COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 13,503,776,000 | 13,741,177,000 | 14,581,672,000 | 15,057,824,000 |
| Total loans | 11,061,866,000 | 11,364,846,000 | 11,915,511,000 | 12,393,676,000 |
| Allowance for loan losses | 190,184,000 | 182,231,000 | 185,700,000 | 192,264,000 |
| Securities available for sale | 1,312,681,000 | 1,325,206,000 | 1,373,219,000 | 1,427,401,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,445,573,000 | 12,635,750,000 | 13,427,352,000 | 13,825,105,000 |
| Interest-bearing deposits | 12,009,837,000 | 12,201,396,000 | 12,796,704,000 | 13,173,608,000 |
| Noninterest-bearing deposits | 435,736,000 | 434,354,000 | 630,648,000 | 651,497,000 |
| Equity capital | 1,001,802,000 | 1,040,686,000 | 1,083,479,000 | 1,137,648,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 212,901,000 | 436,990,000 | 668,212,000 | 907,656,000 |
| Interest expense | 110,888,000 | 224,270,000 | 338,538,000 | 453,421,000 |
| Net interest income | 102,013,000 | 212,720,000 | 329,674,000 | 454,235,000 |
| Noninterest income | 24,880,000 | 54,689,000 | 84,403,000 | 117,450,000 |
| Noninterest expense | 80,119,000 | 163,026,000 | 246,887,000 | 320,956,000 |
| Provision for loan losses | 29,442,000 | 52,933,000 | 73,218,000 | 93,522,000 |
| Pretax income | 17,817,000 | 52,179,000 | 92,749,000 | 154,445,000 |
| Income tax | 4,625,000 | 12,989,000 | 24,055,000 | 39,842,000 |
| Net income | 13,192,000 | 39,190,000 | 68,694,000 | 114,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,036,548,000 | 1,066,764,000 | 1,100,069,000 | 1,147,133,000 |
| Total capital | 1,159,355,000 | 1,192,851,000 | 1,232,124,000 | 1,285,129,000 |
| Risk-weighted assets | 9,744,069,000 | 10,017,908,000 | 10,495,949,000 | 10,969,038,000 |
Machine access — free, no API key
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