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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
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%.
Q3 2025 net income attributable to common shareholders was $25.6 million, or $0.55 per diluted share, up 9% sequentially and 96% year-over-year.
Net interest income reached $115 million, up 6% sequentially and 19% year-over-year, with net interest margin at 3.33%.
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
Total revenue reached $146 million, up 2% sequentially and 12% year-over-year.
Loan production up 22% year-over-year to $1.65 billion; loan outstandings up 17% to $11.9 billion; deposit balances up 17% to $13.3 billion.
Noninterest expense decreased 2% sequentially to $87 million, but increased 12% year-over-year.
Quarterly provision expense was $22 million, lower for the fourth consecutive quarter.
Adjusted pre-provision net revenue (PPNR) increased 7% sequentially and 24% year-over-year to $66 million.
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.
Apiture sale settled in October, expected to provide ~$24 million pre-tax gain in Q4 2025.
Continued investment in AI and digital innovation to drive efficiency and customer experience.
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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