Live Oak Bancshares Balance Sheet Health
Financial Health criteria checks 4/6
Live Oak Bancshares has total assets of $11.5B and total equity of $916.7M. Total deposits are $10.4B, and total loans are $8.8B earning a Net Interest Margin of 3.4%. It has insufficient allowance for bad loans, which are currently at 2.3% of total loans. Cash and short-term investments are $597.6M.
Key information
12.5x
Asset to equity ratio
3.4%
Net interest margin
Total deposits | US$10.38b |
Loan to deposit ratio | Appropriate |
Bad loans | 2.3% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | US$597.64m |
Recent financial health updates
No updates
Recent updates
Live 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 18Live Oak Bancshares GAAP EPS of $0.04 misses by $0.37, revenue of $104.97M misses by $7.04M
Jan 25Live Oak Bancshares: Slow Down Ahead But Topline Growth Likely To Remain Positive
Jan 19Live Oak Bancshares (NYSE:LOB) Ticks All The Boxes When It Comes To Earnings Growth
Jan 09Live Oak Bancshares, Inc. Just Beat Revenue Estimates By 27%
Oct 30Elpha secure raises $20M in series A funding led by Canapi Ventures
Oct 06Live Oak Bank named lending partner for finance auto platform Ramp
Sep 07Live Oak Bancshares goes ex-dividend tomorrow
Sep 01Live Oak Bancshares Q2 2022 Earnings Preview
Jul 26Is Now The Time To Put Live Oak Bancshares (NASDAQ:LOB) On Your Watchlist?
Jul 15Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: LOB's Assets to Equity ratio (12.5x) is moderate.
Allowance for Bad Loans: LOB has a low allowance for bad loans (68%).
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 (76%).
Low Risk Deposits: LOB's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: LOB has a high level of bad loans (2.3%).