Live Oak Bancshares Balance Sheet Health
Financial Health criteria checks 4/6
Live Oak Bancshares has total assets of $12.9B and total equity of $1.0B. Total deposits are $11.8B, and total loans are $10.1B earning a Net Interest Margin of 3.4%. It has insufficient allowance for bad loans, which are currently at 3.6% of total loans. Cash and short-term investments are $609.1M.
Key information
12.9x
Asset to equity ratio
3.4%
Net interest margin
| Total deposits | US$11.76b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 3.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$609.05m |
Recent financial health updates
Recent updates
Live Oak Bancshares: Originations Reach Record Levels, But Net Charge-Offs Increase
Jan 24Live Oak Bancshares: Loan Originations Spike, But Credit Risk Worries
Oct 28Live Oak Bancshares: CD Related Costs Could Become A Tailwind
Jul 26Live Oak Bancshares: Time For A Downgrade
Dec 13Live Oak Bancshares: Solid Deposit Growth, But Expensive Price
Sep 21Live Oak Bancshares: Doubts About The Future
Jun 18Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: LOB's Assets to Equity ratio (12.9x) is moderate.
Allowance for Bad Loans: LOB has a low allowance for bad loans (45%).
Low Risk Liabilities: 98% of LOB's liabilities are made up of primarily low risk sources of funding.
Loan Level: LOB has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: LOB's Loans to Deposits ratio (86%) is appropriate.
Level of Bad Loans: LOB has a high level of bad loans (3.6%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/10 23:42 |
| End of Day Share Price | 2025/03/10 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
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Analyst Sources
Live Oak Bancshares, Inc. is covered by 5 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Steven Alexopoulos | J.P. Morgan |
| Christopher McGratty | Keefe, Bruyette, & Woods |
| Timothy Switzer | Keefe, Bruyette, & Woods |