BlastPoint's Banking Scorecard
Live Oak Banking Company
Wilmington, NC
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 3 in NC.
- Deposits +16.2% year over year ($14.7B on the books).
- Delinquency rate 4.07%.
- Return on assets 0.96%.
- Efficiency ratio 53.22% vs a 53.67% peer average.
- Loan-to-deposit ratio 88.21% vs a 82.61% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Live Oak Banking Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.45% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.06% above tier average
- - Nonperforming Asset Ratio 2.64% above tier average
- - ROA 0.43% below tier average
- - Net Interest Margin 0.58% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$16.0B
+16.1% YoY
+4.8% QoQ
|
-$27.6B |
$43.6B
-13.8% YoY
|
$92.1B
+0.4% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$12.9B
+15.8% YoY
+4.4% QoQ
|
-$15.0B |
$28.0B
-8.6% YoY
|
$45.3B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$14.7B
+16.2% YoY
+5.1% QoQ
|
-$20.7B |
$35.4B
-14.0% YoY
|
$72.9B
+1.1% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
0.96%
+63.5% YoY
+7.9% QoQ
|
-0.43% |
1.39%
+25.9% YoY
|
1.06%
+26.4% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.34%
+0.4% YoY
+0.7% QoQ
|
-0.58% |
3.92%
+8.9% YoY
|
3.48%
+5.1% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
53.22%
-12.7% YoY
-3.9% QoQ
|
-0.45% |
53.67%
-1.9% YoY
|
69.25%
-8.2% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
4.07%
-1.8% YoY
+0.3% QoQ
|
+3.06% |
1.01%
-2.8% YoY
|
0.62%
+17.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.2% in tier |
| Loan-to-Deposit Ratio ? |
88.21%
-0.3% YoY
-0.6% QoQ
|
+5.60% |
82.61%
+3.1% YoY
|
80.66%
+1.6% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
5.03%
+46.3% YoY
+9.3% QoQ
|
-15.55% |
20.58%
+4.9% YoY
|
18.90%
+1.9% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? |
3.37%
-1.4% YoY
-0.4% QoQ
|
+2.64% |
0.73%
+5.8% YoY
|
0.44%
+14.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 2.2% in tier |
| Tier 1 Capital Ratio ? |
10.46%
-1.7% YoY
-1.4% QoQ
|
-4.89% |
15.35%
-0.4% YoY
|
20.01%
+3.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.2% in tier |
| Non-Interest Income / Assets ? |
0.35%
-13.0% YoY
+107.6% QoQ
|
-0.15% |
0.50%
+10.5% YoY
|
0.43%
+2.6% YoY
|
0.66%
+5.2% YoY
|
50% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
5.0%
+1.6pp YoY +0.4pp QoQ |
-16.0pp | 21.0% | 21.8% | 22.2% | 15% |
| Brokered Deposits |
28.8%
+3.4pp YoY +0.8pp QoQ |
+19.5pp | 9.2% | 7.7% | 8.5% | 94% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
36.8%
-3.1pp YoY -0.9pp QoQ |
+19.6pp | 17.2% | 10.5% | 12.5% | 94% |
| CRE |
47.6%
+0.6pp YoY +0.5pp QoQ |
+5.6pp | 42.0% | 46.3% | 41.4% | 58% |
| 1-4 Family |
2.0%
+0.2pp YoY +0.1pp QoQ |
-21.1pp | 23.1% | 44.2% | 31.3% | 5% |
| Consumer | n/a | n/a | 12.9% | 1.6% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.5%
-0.2pp YoY -0.1pp QoQ |
-4.8pp | 15.3% | 22.8% | 19.7% | 1% |
| Leverage Ratio |
8.0%
+0.2pp YoY +0.2pp QoQ |
-2.4pp | 10.4% | 14.4% | 12.6% | 7% |
| Total Capital Ratio |
11.7%
-0.2pp YoY -0.1pp QoQ |
-4.8pp | 16.5% | 23.8% | 20.8% | 1% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,038
+6 (+0.6%) YoY +28 (+2.8%) QoQ |
-2,220 | 3,258 | 5,103 | 482 | 22% |
| Assets per Employee ($) |
$15.4M
+15.5% YoY +2.0% QoQ |
-$11.7M | $27.0M | $9.4M | $8.8M | 62% |
| Branch Count |
1
0 YoY 0 QoQ |
-137 | 137 | 170 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.4% | 0.1% | 0.4% | n/a |
| Nonaccrual |
4.1%
-0.1pp YoY 0.0pp QoQ |
+3.3pp | 0.7% | 0.7% | 1.0% | 98% |
| Allowance Coverage |
0.37x
-6.7% YoY -4.4% QoQ |
-2.44x | 2.81x | 3.36x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.7%
0.0pp YoY +0.1pp QoQ |
+0.2pp | 0.4% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
+4.8pp YoY +0.9pp QoQ |
0.0pp | 12.6% | 8.7% | 11.6% | 65% |
| Cost of Funds (YTD) |
3.1%
-0.4pp YoY 0.0pp QoQ |
+1.1pp | 2.0% | 1.8% | 1.7% | 91% |
| Net Income ($, YTD) |
$73.9M
+88.6% YoY — QoQ |
-$222.9M | $296.8M | $518.0M | $40.4M | 17% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.