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Live Oak Bancshares (LOB) investor relations material

Live Oak Bancshares Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary24 Jul, 2025

Executive summary

  • Achieved net income of $23.4 million ($0.51 per diluted share) for Q2 2025, up 141% sequentially and down 13% year-over-year, with strong momentum in lending, deposits, and revenue.

  • Record loan and lease production of $1.53 billion, with total assets rising to $13.83 billion, driven by robust small business and commercial lending.

  • Strong deposit growth, with total deposits up 1.6% sequentially and 20% year-over-year to $12.6 billion, deepening customer relationships.

  • AI-driven modernization, technology investments, and targeted initiatives in checking and small dollar loans are enhancing profitability and resilience.

  • Pre-provision net revenue increased 29% quarter-over-quarter and 14% year-over-year, with efficiency and capital ratios improving.

Financial highlights

  • Total revenue reached $144 million, up 14% sequentially and 20% year-over-year; net interest income was $109 million, up 9% sequentially and 19.6% year-over-year.

  • Net income was $23 million, with diluted EPS of $0.51, up $0.30 sequentially; net interest margin improved to 3.28%.

  • Loan originations hit a record $1.5B, up 9% sequentially and 30% year-over-year; loan and lease balances increased 3% sequentially and 19% year-over-year to $11.4 billion.

  • Noninterest expense was $89.3 million, up 15% year-over-year, including a $2.8 million loss from a bioenergy lease buyout.

  • Provision for credit losses was $23.3 million, up 97.6% year-over-year, reflecting loan growth and macroeconomic pressures.

Outlook and guidance

  • Management expects continued strong loan and deposit growth, with a $3.8B pipeline and annualized loan growth tracking at 15%.

  • Focus remains on margin expansion, reducing deposit costs, and supporting clients amid economic uncertainty.

  • The company is moderately asset-sensitive and models various interest rate scenarios to manage risk.

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Frequently asked questions

Live Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various commercial banking products and services to individuals, small businesses, and professionals in North Carolina, the United States. The company offers financing solutions and deposit products, including demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. In addition, it offers digital banking services to customers through mobile devices; invests in fixed income securities; and provides payment processing solutions.

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