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Live Oak Bancshares
Live Oak Bancshares (LOB) investor relations material
Live Oak Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved record annual loan production of $6.21 billion in 2025, with loan growth of 17–20% year-over-year and a strong pipeline entering 2026.
Q4 2025 net income reached $46 million, up 74% sequentially and 369% year-over-year, with diluted EPS of $0.95; full-year net income was $102.8 million ($2.23 per share), up 33%.
Customer deposit growth was 18% year-over-year, with business checking balances doubling and total assets rising 16.9% to $15.13 billion.
Significant operational improvements, including enhanced processes, controls, and customer service, and the launch of key initiatives such as Live Oak Express and business checking.
Outperformed industry peers in credit quality, with lower default rates and stable credit trends.
Financial highlights
Q4 2025 net income: $44–46 million; EPS: $0.95, both tripling year-over-year; full-year EPS: $2.23, up 32–33%.
Adjusted PPNR for 2025 was $243 million, up 27% year-over-year; Q4 PPNR was $83.8–84 million, up 79% from Q3.
Q4 2025 net interest income was $123 million, up 7% sequentially and 26% year-over-year; net interest margin improved to 3.38%.
Q4 2025 noninterest income was $50 million, up 85% sequentially and 81% year-over-year, driven by investment gains.
Tangible book value per share at year-end was $24.97, up 13% year-over-year.
Outlook and guidance
Management expects continued strong loan and deposit growth, stable or low-rate environment, and moderating expense growth in 2026.
Three Fed rate cuts assumed for 2026; less or later cuts could boost earnings.
Gain on sale income in Q1 2026 projected to be similar to Q1 2025, with growth resuming in later quarters.
Aspirational goals for business checking to reach 15% of deposit base and Live Oak Express to reach $1 billion annual production over time.
Live Oak Express: How will you reach $1B production?
Credit trends: Impact of rate cuts on borrowers?
NII/NIM trajectory beyond Q1 with Fed cuts?
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Next Live Oak Bancshares earnings date
Q1 202623 Apr, 2026
Live Oak Bancshares
Next Live Oak Bancshares earnings date
Q1 202623 Apr, 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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