Live Oak Bancshares, Inc. — Form 8-K
Filed July 22, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 58/100
What the filing says
Live Oak Bancshares reported Q2 2026 net income of $34.7M ($0.74 diluted EPS) vs. $23.4M ($0.51) in Q2 2025—a 48% increase. The company originated $1.548B in loans (vs. $1.527B YoY) and grew deposits $712.5M QoQ to $14.55B total. Total assets reached $16.04B (up 16% YoY). Net interest income rose 14.8% YoY to $125.3M; net interest margin expanded 5 bps YoY to 3.33%. Provision for credit losses increased to $25.8M (vs. $23.3M in Q2 2025). Efficiency ratio improved to 54.1% from 61.0% YoY.
Why this rating
Strong earnings growth (48% YoY) and operational improvements (efficiency ratio, NIM expansion) are meaningful for a $1.1B market cap company. Loan origination and deposit growth support core business momentum. Rising provisions and elevated credit costs are offsetting factors. Material but not transformational.
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