Live Oak Banking Company is a state-chartered bank headquartered in Wilmington, North Carolina, in business for about 18 years. At the end of Q2 2026 it reported $16.0B in total assets and $14.7B in deposits, with 1 office.
Based on its Q2 2026 filing, Live Oak Banking Company scores 33/100, which we describe as low. That is higher than only 2% of 132 banks with $10 billion – $100 billion. Among 38 banks headquartered in North Carolina, it ranks 38th. Its strongest component is funding & liquidity (70/100; 88% loans-to-deposits, 17% uninsured), and its lowest is loan quality (0/100; 4.01%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (30 → 33), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 45 |
| Q3 2024 | 39 |
| Q4 2024 | 33 |
| Q1 2025 | 29 |
| Q2 2025 | 30 |
| Q3 2025 | 30 |
| Q4 2025 | 31 |
| Q1 2026 | 32 |
| Q2 2026 | 33 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.48% |
| Q3 2024 | 8.39% |
| Q4 2024 | 8.04% |
| Q1 2025 | 7.90% |
| Q2 2025 | 7.79% |
| Q3 2025 | 7.81% |
| Q4 2025 | 7.77% |
| Q1 2026 | 7.81% |
| Q2 2026 | 7.99% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.32% |
| Q3 2024 | 2.69% |
| Q4 2024 | 3.48% |
| Q1 2025 | 4.43% |
| Q2 2025 | 4.08% |
| Q3 2025 | 4.33% |
| Q4 2025 | 4.53% |
| Q1 2026 | 4.00% |
| Q2 2026 | 4.01% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.99% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.82% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.96% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 33 | $16.0B | 7.99% | 4.01% | 0.96% | 88.2% |
| Q1 2026 | 32 | $15.2B | 7.81% | 4.00% | 0.89% | 88.8% |
| Q4 2025 | 31 | $15.1B | 7.77% | 4.53% | 0.82% | 88.3% |
| Q3 2025 | 30 | $14.6B | 7.81% | 4.33% | 0.67% | 87.4% |
| Q2 2025 | 30 | $13.7B | 7.79% | 4.08% | 0.59% | 88.5% |
| Q1 2025 | 29 | $13.5B | 7.90% | 4.43% | 0.40% | 87.4% |
| Q4 2024 | 33 | $12.9B | 8.04% | 3.48% | 0.71% | 88.1% |
| Q3 2024 | 39 | $12.5B | 8.39% | 2.69% | 0.81% | 87.4% |
| Q2 2024 | 45 | $11.8B | 8.48% | 2.32% | 0.99% | 87.1% |
132 peers · $10 billion – $100 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
Deposit insurance
Is my money safe at Live Oak Banking Company?
Yes. Live Oak Banking Company is an FDIC-insured institution (FDIC certificate #58665). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.6% of deposits ($2.4B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.99%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.72% (benchmark: 10%).
1 location
Branches
Live Oak Banking Company lists 1 office in 1 city. Most locations:
- Wilmington, NC (1)
CFPB complaint database
Consumer complaints
Over the last three years, the CFPB forwarded 101 consumer complaints about Live Oak Financial, Inc / LIVE OAK BANCSHARES, INC. to the company (47 in the last 12 months). 25.0% received a timely response. That is 6.9 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.
Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.
Identity & history
Profile
- Legal name
- Live Oak Banking Company
- Type
- State-chartered bank
- FDIC certificate #
- 58665
- RSSD ID
- 3650808
- Primary regulator
- FDIC
- Holding company
- Live Oak Bancshares Inc
- Established
- May 12, 2008
- Headquarters
- 1757 Tiburon Dr, Wilmington, NC 28403
- Website
- www.liveoak.bank
- Employees
- 1,038
Quick answers
Live Oak Banking Company: common questions
Is Live Oak Banking Company FDIC insured?
Yes. Live Oak Banking Company is an FDIC-insured institution (FDIC certificate #58665). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Live Oak Banking Company's TellerScore?
33 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Live Oak Banking Company ever failed?
There is no failure record for FDIC certificate #58665 in the FDIC failed bank list.
How many branches does Live Oak Banking Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wilmington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Providence BankBank Rocky Mount, NC | 82 out of 100, Strong | $1.5B | 12.2% | 0.12% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| First BankBank Southern Pines, NC | 74 out of 100, Strong | $13.0B | 11.5% | 0.49% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| TowneBankBank Portsmouth, VA | 74 out of 100, Strong | $22.6B | 10.0% | 0.22% | vs |