For the year ending 2025-12-31, LOB has $15,134,778K in assets. $13,880,672K in debts.
| Balance Sheets | 2025-12-31 | 2024-12-31 | ||
|---|---|---|---|---|
| Cash and due from banks | 864,904 | 608,800 | ||
| Certificate of deposit with other banks | 250 | 250 | ||
| Investment securities available-for-sale | 1,427,401 | 1,248,203 | ||
| Loans held for sale | 420,055 | 346,002 | ||
| Receivables Not Under The Fair Value Option | 11,749,209 | 9,934,609 | ||
| Receivables Under The Fair Value Option | 260,625 | 328,746 | ||
| Total loans and leases | 12,009,834 | 10,263,355 | ||
| Retained loan discount and net deferred costs | -36,212 | -29,981 | ||
| Loans and leases held for investment (includes 260,625 and 328,746 measured at fair value, respectively) | 11,973,622 | 10,233,374 | ||
| Allowance for credit losses on loans and leases | 192,264 | 167,516 | ||
| Net loans and leases | 11,781,358 | 10,065,858 | ||
| Premises and equipment, net | 240,203 | 264,059 | ||
| Foreclosed assets | 8,208 | 1,944 | ||
| Servicing assets (includes 62,941 and 55,788 measured at fair value, respectively) | 63,155 | 56,144 | ||
| Other assets | 329,244 | 352,120 | ||
| Total assets | 15,134,778 | 12,943,380 | ||
| Noninterest-bearing | 515,051 | 318,890 | ||
| Interest-bearing | 13,173,608 | 11,441,604 | ||
| Total deposits | 13,688,659 | 11,760,494 | ||
| Borrowings | 102,404 | 112,820 | ||
| Other liabilities | 89,609 | 66,570 | ||
| Total liabilities | 13,880,672 | 11,939,884 | ||
| Preferred stock, no par value, 1,000,000 authorized, none issued or outstanding at december31, 2024 and december31, 2023 | - | 0 | ||
| Series a preferred stock, no par value, 1,000,000 shares authorized, 100,000 shares and 0 shares, issued and outstanding at december31, 2025 and december31, 2024, respectively-Series APreferred Stock | 96,266 | - | ||
| Common stock-Common Class A | 388,389 | 365,607 | ||
| Common stock-Common Class B | 0 | 0 | ||
| Retained earnings | 809,885 | 715,767 | ||
| Accumulated other comprehensive loss | -44,672 | -82,344 | ||
| Total shareholders' equity attributed to live oak bancshares, inc | 1,249,868 | 999,030 | ||
| Non-controlling interest | 4,238 | 4,466 | ||
| Total shareholders equity | 1,254,106 | 1,003,496 | ||
| Total liabilities and shareholders equity | 15,134,778 | 12,943,380 | ||
Live Oak Bancshares, Inc. (LOB)
Live Oak Bancshares, Inc. (LOB)