Financial insights of LOB

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	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	-	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)	-	-	336	270
Renewable energy tax credit investment impairment	-	184*	-	-
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	-
Net income attributable to common shareholders	27,946	29,338	25,562	-

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

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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