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Live Oak Banking Company

$10B-$250B Specialty: Commercial NC FDIC cert 58665

Wilmington, NC

137 banks in the $10B-$250B peer group nationally 3 in NC
View $10B-$250B leaderboard (NC) →

Live Oak Banking Company faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Delinquency Rate 3.05% above tier average
  • - Nonperforming Asset Ratio 2.66% above tier average
  • - ROA 0.39% below tier average
  • - Net Interest Margin 0.45% below tier average
  • - Efficiency Ratio 1.36% above tier average
Get updates when Live Oak Banking Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $15.2B
+12.8% YoY +1.1% QoQ
-$31.7B $47.0B
-1.9% YoY
$92.4B
+2.4% YoY
$6.2B
+9.1% YoY
23%
Total Loans ? $12.4B
+14.1% YoY +1.6% QoQ
-$17.0B $29.4B
-0.4% YoY
$45.0B
+8.2% YoY
$3.2B
+10.8% YoY
31%
Total Deposits ? $14.0B
+12.2% YoY +1.0% QoQ
-$24.5B $38.4B
-1.6% YoY
$72.8B
+2.6% YoY
$4.8B
+8.2% YoY
29%
Return on Assets ? 0.89%
+122.0% YoY +8.2% QoQ
-0.39% 1.28%
+18.7% YoY
0.99%
+29.5% YoY
1.23%
+13.4% YoY
23%
Net Interest Margin ? 3.32%
+2.3% YoY -2.4% QoQ
-0.45% 3.77%
+5.8% YoY
3.42%
+5.0% YoY
3.89%
+5.7% YoY
39%
Efficiency Ratio ? 55.37%
-12.3% YoY -1.3% QoQ
+1.36% 54.01%
-3.7% YoY
69.88%
-8.6% YoY
66.95%
-4.1% YoY
50%
Delinquency Rate ? 4.06%
-9.9% YoY -11.6% QoQ
+3.05% 1.02%
-3.8% YoY
0.64%
+21.6% YoY
0.95%
+18.8% YoY
Bottom 2.9% in tier
Loan-to-Deposit Ratio ? 88.78%
+1.6% YoY +0.6% QoQ
+8.00% 80.79%
+1.9% YoY
79.67%
+1.0% YoY
76.70%
+0.9% YoY
34%
Non-Interest-Bearing Deposit Share ? 4.60%
+31.4% YoY -2.4% QoQ
-15.44% 20.04%
+0.2% YoY
18.50%
+0.3% YoY
22.01%
-1.2% YoY
19%
Nonperforming Asset Ratio ? 3.39%
-7.1% YoY -10.4% QoQ
+2.66% 0.72%
+4.2% YoY
0.45%
+20.5% YoY
0.67%
+19.3% YoY
Bottom 1.5% in tier
Tier 1 Capital Ratio ? 10.61%
-0.2% YoY +1.5% QoQ
-4.90% 15.51%
-0.4% YoY
20.13%
+3.0% YoY
17.06%
+0.8% YoY
Bottom 2.9% in tier
Non-Interest Income / Assets ? 0.17%
-9.4% YoY -78.6% QoQ
-0.06% 0.22%
+0.3% YoY
0.21%
+7.3% YoY
0.32%
+4.1% YoY
52%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 137 peers in $10B-$250B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

136
Nonperforming Asset Ratio
credit_quality
Value: 3.39%
Peer Median: 0.72%
#136 of 137 Bottom 1.5% in $10B-$250B
134
Tier 1 Capital Ratio
capital
Value: 10.61%
Peer Median: 15.51%
#134 of 137 Bottom 2.9% in $10B-$250B
133
Delinquency Rate
credit_quality
Value: 4.06%
Peer Median: 1.02%
#133 of 136 Bottom 2.9% in $10B-$250B
112
Non-Interest-Bearing Deposit Share
funding
Value: 4.60%
Peer Median: 20.04%
#112 of 137 Bottom 19.0% in $10B-$250B
107
Return on Assets
profitability
Value: 0.89%
Peer Median: 1.28%
#107 of 137 Bottom 22.6% in $10B-$250B
107
Total Assets
size
Value: $15.23B
Peer Median: $46.96B
#107 of 137 Bottom 22.6% in $10B-$250B
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