Live Oak Bancshares, Inc.
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 27, 2026
LOB$34.40-0.7%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Consolidated Balance Sheets as of December 31, 202 and
Consolidated Balance Sheets
| December 31,2025 | December 31,2024 | |
|---|---|---|
| Assets | ||
| 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 |
| 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 |
| Liabilities and Shareholders’ Equity | ||
| Liabilities | ||
| Deposits: | ||
| 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 |
| Shareholders’ equity | ||
| Series A Preferred stock, no par value, 1,000,000 shares authorized, 100,000 shares and 0 shares, issued and outstanding at December 31, 2025 and December 31, 2024, respectively | 96,266 | — |
| Class A common stock, no par value, 100,000,000 shares authorized, 46,032,402 and 45,359,425, shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively | 388,389 | 365,607 |
| Class B common stock, no par value, 10,000,000 shares authorized, none issued or outstanding at December 31, 2025 and December 31, 2024 | — | — |
| 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 |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.