Financial insights of LOB

MyFinsight

Income Overview

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

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans and fees on loans	214,129	204,982*	211,599	204,513
Investment securities, taxable	13,009	11,857*	12,175	11,648
Other interest earning assets	6,726	6,636*	7,654	8,123
Total interest income	233,864	223,474*	231,428	224,284
Deposits	112,847	111,944*	114,266	113,380
Borrowings	1,617	1,661*	1,677	1,683
Total interest expense	114,464	113,605*	115,943	115,063
Net interest income	119,400	109,869*	115,485	109,221
Provision for credit losses	20,100	28,062*	22,242	23,252
Management fee income	NaN	0*	0	0
Net interest income after provision for credit losses	99,300	81,807*	93,243	85,969
Loan servicing revenue	9,094	8,837*	8,812	8,565
Loan servicing asset revaluation	-3,487	-4,951*	-4,360	-3,057
Net losss on sales of loans	15,425	-1,343*	20,868	21,641
Net loss on loans accounted for under the fair value option	-1,165	118*	-350	1,082
Equity method investments (loss) income	-817	23,666*	-1,470	-2,716
Equity security investments gains, net	0	4,200*	18	1,004
Lease income	2,135	2,128*	2,179	3,103
Other noninterest income	4,889	-905*	4,917	4,904
Total noninterest income	26,074	31,748*	30,614	34,526
Salaries and employee benefits	49,354	36,146*	52,817	49,137
Travel expense	1,463	-553*	2,480	2,576
Professional services expense	2,516	3,443*	1,999	2,874
Advertising and marketing expense	3,051	2,834*	1,839	4,420
Occupancy expense	2,410	2,700*	2,339	2,369
Technology expense	9,749	12,498*	10,234	10,066
Equipment expense	3,693	3,920*	3,320	3,685
Other loan origination and maintenance expense	5,919	5,019*	4,777	4,190
Renewable energy tax credit investment impairment (recovery)	NaN	NaN	336	270
Renewable energy tax credit investment impairment	NaN	184*	NaN	NaN
Fdic insurance	4,401	3,890*	3,643	3,545
Other expense	2,737	3,752*	3,501	6,161
Total noninterest expense	85,293	73,831*	87,285	89,293
Income before taxes	40,081	39,724*	36,572	31,202
Income tax expense	10,134	10,291*	10,106	7,815
Net income	29,947	29,433*	26,466	23,387
Net loss attributable to non-controlling interest	-93	-91*	-50	-41
Net income attributable to live oak bancshares, inc	30,040	29,524*	26,516	23,428
Preferred stock dividends	2,094	186*	954	NaN
Net income attributable to common shareholders	27,946	29,338	25,562	NaN

Basic EPS	0.61	0.642	0.56	0.51
Diluted EPS	0.6	0.636	0.55	0.51
Basic Average Shares	46,138,609	45,688,557	45,780,794	45,634,741
Diluted Average Shares	46,509,040	46,115,804	46,216,958	45,795,608

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

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

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