Live Oak Banking Company

BankWilmington, North Carolina
www.liveoak.bank

Total Assets

$15.1B

Total Deposits

$13.8B

Branches

1

Established

2008

TFS Health Grade

$
D-

61.0 / 100

Below average financial health

How we grade

Live Oak Banking Company is a bank headquartered in Wilmington, North Carolina, established in 2008. With $15.1B in total assets and 1 branch locations, it has a TFS Financial Health Grade of D- (61.0/100).

Capital & Safety

Tier 1 Capital Ratio
7.77%(8%)
Total Capital Ratio
11.72%(10%)
Non-Performing Loan Ratio
4.53%

Profitability

Return on Assets (ROA)
0.82%(1%)
Return on Equity (ROE)
10.95%(10%)
Net Interest Margin
3.40%
Efficiency Ratio
56.12%(60%)

Lending & Liquidity

Total Loans
$12.4B
Loan-to-Deposit Ratio
88.26%
Net Charge-Off Ratio
0.60%

Growth

Asset Growth (YoY)
+17.13%
Deposit Growth (YoY)
+16.96%
Net Income
$114.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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