Live Oak Banking Company
Wilmington, NC
IDRSSD: 3650808
Total Assets
$15.06B
Latest filing
Total Deposits
$13.83B
Latest filing
Net Interest Margin
3.50%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
053112822WILMINGTON, NC053112916WILMINGTON, NC
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Live Oak Banking Company
1757 Tiburon Dr
Wilmington, NC 28403
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/12/2008FDIC Certificate 462249
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Live Oak Banking Company (Main) | 1757 Tiburon Dr | Wilmington, NC | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/12/2008 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 28403 |
| State and County Number | 37129 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Wilmington, NC |
Operational Info
| Number of Employees | 1,005 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/13/2024 |
| Date of Deposit Insurance | 05/12/2008 |
| Primary Insurance Agency | DIF |
| Website | www.liveoak.bank |
| Data Updated | 01/30/2026 |
| CERT | 58665 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $15.06B |
| Total Deposits | $13.83B |
| Total Liabilities | $13.92B |
| Total Equity Capital | $1.14B |
| Net Income | $45.91M |
| Net Loans and Leases | $12.20B |
| Assets Per Employee ($Millions) | $14.95M |
| Bank Premises and Fixed Assets | $160.19M |
| Cash and Balances due from Depository Institutions | $859.21M |
| Deposits Held in Domestic Offices | $13.83B |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 16.54% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 46.97% |
| Tier 1 Risk-Based Capital Ratio | 10.458% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.59% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.555% |
| Earning Assets to total Assets | 96.14% |
Income and Expense
| Total Interest Income | $239.44M |
| Total Noninterest Income | $33.05M |
| Total Interest Expense | $114.88M |
| Total Noninterest Expense | $74.07M |
| Net Interest Income | $124.56M |
| Pre-tax Net Operating Income | $61.69M |
| Provision for Credit Losses | $21.85M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $8.21M |
| Other borrowed funds | $82.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $94.99M |
| Total Liabilities and Capital | $15.06B |
Securities
| Securities | $1.43B |
| Available-for-sale debt securities | $1.43B |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Live Oak Banking Company?
$15.06B as of the latest filing.
How much are Live Oak Banking Company's total deposits?
$13.83B in total deposits.
Where is Live Oak Banking Company located?
Wilmington, NC.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
1.
When was it established?
05/12/2008.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$12.20B (latest filing).
What is the total interest income (latest filing)?
$239.44M.