Financial insights of LOB-PA

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2024-12-31
Loans and fees on loans	214,129	195,783*	211,599	186,210*
Investment securities, taxable	13,009	11,066*	12,175	9,603*
Other interest earning assets	6,726	7,339*	7,654	7,280*
Total interest income	233,864	214,188*	231,428	203,093*
Deposits	112,847	110,615*	114,266	107,722*
Borrowings	1,617	1,670*	1,677	1,395*
Total interest expense	114,464	112,285*	115,943	109,117*
Net interest income	119,400	101,903*	115,485	93,976*
Provision for credit losses	20,100	29,577*	22,242	24,053*
Net interest income after provision for credit losses	99,300	72,326*	93,243	69,923*
Loan servicing revenue	9,094	8,466*	8,812	7,884*
Loan servicing asset revaluation	-3,487	-2,997*	-4,360	-3,039*
Net losss on sales of loans	15,425	-184*	20,868	15,225*
Net loss on loans accounted for under the fair value option	-1,165	2,266*	-350	601*
Equity method investments (loss) income	-817	21,797*	-1,470	-2,730*
Equity security investments gains, net	0	5,679*	18	138*
Lease income	2,135	3,514*	2,179	2,439*
Management fee income	-	0*	0	1,915*
Other noninterest income	4,889	-925*	4,917	8,513*
Total noninterest income	26,074	37,616*	30,614	30,945*
Salaries and employee benefits	49,354	30,527*	52,817	45,817*
Travel expense	1,463	-409*	2,480	2,435*
Professional services expense	2,516	4,755*	1,999	2,756*
Advertising and marketing expense	3,051	6,705*	1,839	2,787*
Occupancy expense	2,410	2,745*	2,339	2,500*
Technology expense	9,749	12,246*	10,234	8,552*
Equipment expense	3,693	4,467*	3,320	3,457*
Other loan origination and maintenance expense	5,919	4,138*	4,777	4,314*
Renewable energy tax credit investment impairment (recovery)	-	-	336	-
Renewable energy tax credit investment impairment	-	184*	-	133*
Fdic insurance	4,401	3,743*	3,643	2,709*
Contributions and donations	-	-	-	0*
Other expense	2,737	7,742*	3,501	3,103*
Total noninterest expense	85,293	76,843*	87,285	78,560*
Income before taxes	40,081	33,099*	36,572	22,309*
Income tax expense	10,134	6,854*	10,106	2,955*
Net income	29,947	26,245*	26,466	19,354
Net loss attributable to non-controlling interest	-93	-78*	-50	-
Net income attributable to live oak bancshares, inc	30,040	26,323*	26,516	-
Preferred stock dividends	2,094	186*	954	-
Net income attributable to common shareholders	27,946	26,137	25,562	-

Basic EPS	0.61	0.573	0.56	0.43
Diluted EPS	0.6	0.57	0.55	0.422
Basic Average Shares	46,138,609	45,621,934	45,780,794	45,009,567
Diluted Average Shares	46,509,040	45,868,622	46,216,958	45,820,321

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$27,946KEPS$0.6Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$27,946KEPS$0.6Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars

Net Income
$27,946K
EPS
$0.6
Unit: Thousand (K) dollars