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Income Overview
Net Income
$34,701K
EPS
$0.74
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans and fees on loans
221,705
214,129
204,982*
211,599
Investment securities, taxable
13,411
13,009
11,857*
12,175
Other interest earning assets
6,601
6,726
6,636*
7,654
Total interest income
241,717
233,864
223,474*
231,428
Deposits
114,776
112,847
111,944*
114,266
Borrowings
1,603
1,617
1,661*
1,677
Total interest expense
116,379
114,464
113,605*
115,943
Net interest income
125,338
119,400
109,869*
115,485
Provision for credit losses
25,800
20,100
28,062*
22,242
Net interest income after provision for credit losses
99,538
99,300
81,807*
93,243
Loan servicing revenue
9,194
9,094
8,837*
8,812
Loan servicing asset revaluation
-4,278
-3,487
-4,951*
-4,360
Net losss on sales of loans
17,554
15,425
-1,343*
20,868
Net gain (loss) on loans accounted for under the fair value option
291
-1,165
118*
-350
Equity method investments income (loss)
74
-817
23,666*
-1,470
Equity security investments gains, net
0
0
4,200*
18
Lease income
2,238
2,135
2,128*
2,179
Management fee income
-
-
0*
0
Other noninterest income
5,734
4,889
-905*
4,917
Total noninterest income
30,807
26,074
31,748*
30,614
Salaries and employee benefits
48,776
49,354
36,146*
52,817
Travel expense
1,933
1,463
-553*
2,480
Professional services expense
2,938
2,516
3,443*
1,999
Advertising and marketing expense
2,734
3,051
2,834*
1,839
Occupancy expense
2,364
2,410
2,700*
2,339
Technology expense
9,608
9,749
12,498*
10,234
Equipment expense
3,662
3,693
3,920*
3,320
Other loan origination and maintenance expense
4,864
5,919
5,019*
4,777
Renewable energy tax credit investment impairment (recovery)
-
-
-
336
Renewable energy tax credit investment impairment
26
-
184*
-
Fdic insurance
4,788
4,401
3,890*
3,643
Other expense
2,832
2,737
3,752*
3,501
Total noninterest expense
84,525
85,293
73,831*
87,285
Income before taxes
45,820
40,081
39,724*
36,572
Income tax expense
9,116
10,134
10,291*
10,106
Net income
36,704
29,947
29,433*
26,466
Net loss attributable to non-controlling interest
-91
-93
-91*
-50
Net income attributable to live oak bancshares, inc
36,795
30,040
29,524*
26,516
Preferred stock dividends
2,094
2,094
186*
954
Net income attributable to common shareholders
34,701
27,946
29,338
25,562
Basic EPS
0.75
0.61
0.642
0.56
Diluted EPS
0.74
0.6
0.636
0.55
Basic Average Shares
46,265,757
46,138,609
45,688,557
45,780,794
Diluted Average Shares
46,594,482
46,509,040
46,115,804
46,216,958
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans and fees on loans
$221,705K
(8.41%↑ Y/Y)
Investment securities,
taxable
$13,411K
(15.14%↑ Y/Y)
Other interest
earning assets
$6,601K
(-18.74%↓ Y/Y)
Total interest income
$241,717K
(7.77%↑ Y/Y)
Net interest income
$125,338K
(14.76%↑ Y/Y)
Net losss on sales of
loans
$17,554K
(-18.89%↓ Y/Y)
Loan servicing
revenue
$9,194K
(7.34%↑ Y/Y)
Other noninterest
income
$5,734K
(16.92%↑ Y/Y)
Total interest
expense
$116,379K
(1.14%↑ Y/Y)
Lease income
$2,238K
(-27.88%↓ Y/Y)
Net gain (loss) on
loans accounted for...
$291K
(-73.11%↓ Y/Y)
Equity method
investments income (loss)
$74K
(102.72%↑ Y/Y)
Net interest income
after provision for...
$99,538K
(15.78%↑ Y/Y)
Total noninterest
income
$30,807K
(-10.77%↓ Y/Y)
Provision for credit
losses
$25,800K
(10.96%↑ Y/Y)
Loan servicing asset
revaluation
-$4,278K
(-39.94%↓ Y/Y)
Deposits
$114,776K
(1.23%↑ Y/Y)
Borrowings
$1,603K
(-4.75%↓ Y/Y)
Income before taxes
$45,820K
(46.85%↑ Y/Y)
Total noninterest
expense
$84,525K
(-5.34%↓ Y/Y)
Net income
$36,704K
(56.94%↑ Y/Y)
Net loss
attributable to...
-$91K
(-121.95%↓ Y/Y)
Income tax expense
$9,116K
(16.65%↑ Y/Y)
Salaries and employee
benefits
$48,776K
(-0.73%↓ Y/Y)
Technology expense
$9,608K
(-4.55%↓ Y/Y)
Other loan
origination and maintenance...
$4,864K
(16.09%↑ Y/Y)
Fdic insurance
$4,788K
(35.06%↑ Y/Y)
Equipment expense
$3,662K
(-0.62%↓ Y/Y)
Professional services
expense
$2,938K
(2.23%↑ Y/Y)
Other expense
$2,832K
(-54.03%↓ Y/Y)
Advertising and marketing
expense
$2,734K
(-38.14%↓ Y/Y)
Occupancy expense
$2,364K
(-0.21%↓ Y/Y)
Travel expense
$1,933K
(-24.96%↓ Y/Y)
Renewable energy tax
credit investment...
$26K
Net income
attributable to live oak...
$36,795K
(57.06%↑ Y/Y)
Net income
attributable to common...
$34,701K
Preferred stock dividends
$2,094K
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Live Oak Bancshares, Inc. (LOB)
Live Oak Bancshares, Inc. (LOB)