Every 10-Q that Live Oak Bancshares, Inc. (LOB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow LOB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full LOB filings page.
Live Oak Bancshares, Inc. reported higher profitability for the quarter and six months ended June 30, 2026. Net income was $36,704 for the quarter and $66,651 year-to-date, compared with $23,387 and $33,055 in 2025. Net income attributable to common shareholders reached $34,701 for the quarter and $62,647 for the six-month period, and diluted earnings per share increased to $0.74 for the quarter and $1.35 year-to-date, up from $0.51 and $0.72, respectively.
Net interest income rose to $125,338 for the quarter and $244,738 year-to-date, while noninterest income was $30,807 and $56,881. The provision for credit losses was $25,800 for the quarter and $45,900 for six months, with year-to-date gross charge-offs of $50,538. Total assets increased to $16,038,141, driven by loans and leases held for investment of $12,630,859 and deposits of $14,547,526. The allowance for credit losses on loans and leases was $193,417. Shareholders’ equity totaled $1,316,918, including outstanding Series A preferred stock, and income tax expense was reduced by purchasing $25.0 million of transferable renewable energy credits for $22.9 million.
Live Oak Bancshares, Inc. reported strong first-quarter 2026 results, with net income of $29.9 million for the three months ended March 31, 2026, up from $9.7 million a year earlier. Net income attributable to common shareholders was $27.9 million, and diluted earnings per share rose to $0.60 from $0.21.
Total assets reached $15.3 billion, slightly higher than $15.1 billion at December 31, 2025, driven mainly by growth in loans and leases held for investment to $12.16 billion. Deposits increased to $13.84 billion, and shareholders’ equity grew to $1.28 billion, reflecting retained earnings and equity compensation.
Net interest income improved to $119.4 million from $100.5 million as loan interest outpaced higher funding costs. The provision for credit losses declined to $20.1 million, and the allowance for credit losses on loans and leases stood at $193.3 million. The company adopted an enhanced expected credit loss model using probability of default, loss given default and exposure at default, incorporating a two-year economic forecast. Operating cash flow swung to an inflow of $87.4 million from an outflow a year earlier.
Live Oak Bancshares, Inc. filed its quarterly report for the period ended September 30, 2025 and restated earlier quarterly cash flow statements to correct how certain loan participation proceeds were classified between operating and investing activities, along with related non‑cash disclosures. The company reported total assets of $14,665,902 thousand as of September 30, 2025, up from $12,943,380 thousand at December 31, 2024, driven largely by loans and leases held for investment of $11,554,818 thousand. Total deposits were $13,290,723 thousand compared with $11,760,494 thousand at year-end, and cash and due from banks increased to $892,445 thousand from $608,800 thousand. As of November 14, 2025, there were 45,857,617 shares of voting common stock outstanding.