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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Wilmington, NC · FDIC certificate #58665 · RSSD 3650808
LIVE OAK BANKING CO is an FDIC-insured institution based in Wilmington, NC (FDIC certificate #58665). In its Q3 2026 Call Report it reported total assets of $16.9B, total deposits of $15.5B and net loans of $13.7B. Its primary federal regulator is FDIC. Its current parent is LIVE OAK BANCSHARES, INC..
Reported facts
LIVE OAK BANKING CO (FDIC certificate #58665) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $16.9B |
|---|---|
| Total deposits | $15.5B |
| Net loans and leases | $13.7B |
| Return on assets | 0.89% |
| Return on equity | 11.75% |
| Net interest margin | 3.36% |
| Quarterly asset change | 5.80% |
| Quarterly deposit change | 5.88% |
Plain-language readout
LIVE OAK BANKING CO in Wilmington, NC reported total assets of $16.9B, total deposits of $15.5B and net loans of $13.7B in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.89%, a return on equity of 11.75%, a net interest margin of 3.36%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
Total assets rose 15.8% over the past four quarters, from $14.6B in Q3 2025 to $16.9B in Q3 2026. Total deposits rose 15.8% over the past four quarters, from $13.4B in Q3 2025 to $15.5B in Q3 2026. Net loans rose 16.4% over the past four quarters, from $11.7B in Q3 2025 to $13.7B in Q3 2026.
Total assets rose 109.5% over the past five years, from $8.1B in Q3 2021 to $16.9B in Q3 2026. Total deposits rose 127.9% over the past five years, from $6.8B in Q3 2021 to $15.5B in Q3 2026. Net loans rose 113.3% over the past five years, from $6.4B in Q3 2021 to $13.7B in Q3 2026.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $16.9B | $15.5B | $13.7B | 0.89% | 11.75% | 3.36% |
| Q2 2026 | $16.0B | $14.7B | $12.9B | 0.96% | 12.59% | 3.34% |
| Q1 2026 | $15.2B | $14.0B | $12.4B | 0.89% | 11.66% | 3.32% |
| Q4 2025 | $15.1B | $13.8B | $12.2B | 0.82% | 10.95% | 3.40% |
| Q3 2025 | $14.6B | $13.4B | $11.7B | 0.67% | 8.94% | 3.36% |
| Q2 2025 | $13.7B | $12.6B | $11.2B | 0.59% | 7.80% | 3.33% |
| Q1 2025 | $13.5B | $12.4B | $10.9B | 0.40% | 5.35% | 3.24% |
| Q4 2024 | $12.9B | $11.8B | $10.4B | 0.71% | 9.33% | 3.36% |
| Q3 2024 | $12.5B | $11.5B | $10.0B | 0.81% | 10.73% | 3.38% |
| Q2 2024 | $11.8B | $10.8B | $9.4B | 0.99% | 13.14% | 3.38% |
| Q1 2024 | $11.4B | $10.5B | $9.1B | 0.99% | 13.55% | 3.38% |
| Q4 2023 | $11.2B | $10.4B | $8.9B | 0.74% | 11.19% | 3.47% |
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