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Live Oak Banking Company
Wilmington, NC · FDIC Certificate #58665 · Chartered 05/1
Total assets
$15.96B
Total deposits
$14.68B
Total equity
$1.21B
Net loans
$12.95B
Branches (offices)
1
Net income (YTD)
$73.91M
Rank: #123 of 4,213 U.S. banks by assets · #4 of 38 in North Carolina. Assets changed 16.1% and deposits 16.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.96% |
| Return on equity | 12.59% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 7.60% |
| Tier 1 leverage ratio | 7.99% |
| Uninsured deposits (share of deposits) | 16.6% |
| Noncurrent loans (share of loans) | 4.01% |
| Net charge-offs (share of loans) | 0.67% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 55.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $7.21B | 55.6% | |
| Commercial & industrial | $4.77B | 36.8% | |
| Consumer / individual | $0 | 0.0% | |
| Construction & development | $969.70M | 7.5% | |
| Agricultural | $9.76M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $9.03B | $8.25B | $38.46M | $650.55M |
| Jun 2023 | $10.72B | $9.96B | $18.77M | $691.24M |
| Jun 2024 | $11.79B | $10.79B | $56.57M | $926.58M |
| Jun 2025 | $13.74B | $12.64B | $39.19M | $1.04B |
| Jun 2026 | $15.96B | $14.68B | $73.91M | $1.21B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Carolina | $14.68B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $14.68B.
Similar-sized banks
Nbt Bank, National Association ($16.09B) · Safra National Bank Of New York ($15.69B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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