Side-by-side · Q2 2026 data
TowneBank vs Live Oak Banking Company
Metric by metric
| Measure | TowneBank | Live Oak Banking Company |
|---|---|---|
| TellerScore | 74 (stronger) | 33 |
| Capital cushion | 50 (stronger) | 30 |
| Loan quality | 93 (stronger) | 0 |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 43 | 70 (stronger) |
| Problem-loan coverage | 97 (stronger) | 23 |
| Peer percentile | 87th | 2nd |
| Total assets | $22.6B | $16.0B |
| Deposits / shares | $18.8B | $14.7B |
| Capital ratio | 10.00% (stronger) | 7.99% |
| Problem loans | 0.22% (stronger) | 4.01% |
| Net charge-offs | 0.10% (stronger) | 0.67% |
| Return on assets | 2.17% (stronger) | 0.96% |
| Loans ÷ deposits | 81.2% (stronger) | 88.2% |
| Uninsured deposits | 48.0% | 16.6% (stronger) |
| Offices | 77 | 1 |
| CFPB complaints (3 yrs) | 39 | 101 |
| Complaints per $1B deposits | 2.1 (stronger) | 6.9 |
| Mortgage denial rate (HMDA) | 6.6% | — |
TowneBank has the higher TellerScore (74 vs 33). On the 8 directional measures above (where higher or lower is clearly better), TowneBank leads on 7 and Live Oak Banking Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.