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Live Oak Bancshares (LOB) investor relations material
Live Oak Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income attributable to common shareholders was $25.6 million ($0.55/share) for Q3 2025, up 9% sequentially and 96% year-over-year, driven by higher net interest income and lower provision for credit losses.
Achieved #1 SBA 7(a) lender status for 2025, with over $2.8 billion in loans and a 44% increase in production year-over-year, raising market share from 6.4% to 7.7%.
Total assets reached $14.67 billion, up 6% from Q2 2025 and 16.3% year-over-year; deposit balances rose 6% sequentially and 17% year-over-year to $13.3 billion.
Focused on deepening customer relationships, expanding checking and small dollar SBA loan offerings, and leveraging AI for operational efficiency.
Embedded finance and stablecoin initiatives are progressing, with a strategic pivot to accelerate growth through partnerships.
Financial highlights
Q3 2025 EPS of $0.55, up 8% sequentially and 96% year-over-year.
Net interest income reached $115.5 million, up 6% sequentially and 19% year-over-year, with margin stable at 3.33%.
Loan production up 22% and loan outstandings up 17% year-over-year; deposit growth up 20% year-over-year.
Noninterest expense was $87.3 million, down 2% sequentially but up 12% year-over-year.
Provision expense for credit losses was $22.2 million, down for the fourth consecutive quarter.
Outlook and guidance
Expect continued strong loan and deposit growth, with margin resilience despite anticipated Fed rate cuts.
Margin typically recovers quickly after rate cuts due to short-term funding base; net interest income expected to remain robust.
Targeting sustainable 15% ROE and 15%+ EPS growth over the next 18–24 months.
Management expects ongoing investments in technology and human resources to support growth.
The company remains moderately asset-sensitive to interest rate changes and regularly models various rate scenarios.
Discuss the increase in guaranteed nonperforming loans.
Explain capital ratio decline despite preferred stock.
Future noninterest income strategy post-Apiture sale.
AI's impact on future expense growth?
Government shutdown impact on Q4 production?
Outlook for net interest margin recovery?
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Next Live Oak Bancshares earnings date
Q4 202522 Jan, 2026
Next Live Oak Bancshares earnings date
Q4 202522 Jan, 2026
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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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