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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.
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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