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Live Oak Banking Company

IDRSSD: 3650808
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2023-Q4QoQ -3

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #3650808 2023-Q4 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Stable
Securities:Strong
Capitalization:Watch
Asset Quality:Strong
Reserves:Watch

Top 3 Watch Items

  1. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.06% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↓ -3 ptscomposite
  • Liquidity
    ↓ -2
  • Securities
    — —
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +1
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -2
62
Sub-score

Liquidity is stable: brokered 28.6%, loans/deposits 85.8%, cash 5.2% of assets.

Cash / Assets
5.17%
Loans / Deposits
85.78%
Brokered %
28.61%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ +5
56
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.40%, CET1 10.40%, leverage 7.39%.

Tier 1 RBC
10.40%
CET1
10.40%
Leverage
7.39%
No watch items at this period.

Asset Quality

StrongQoQ +1
84
Sub-score

Asset quality is strong: Adjusted NPL 2.06%, Texas Ratio 19.3%, NCO YTD 0.20%.

Adjusted NPL
2.06%
Govt-guarantees stripped
Texas Ratio
19.3%
NCO YTD
0.20%
30-89 PD
0.09%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.06% (govt-guarantees stripped).

Reserves

Watch
47
Sub-score

Reserves are deteriorating: ALLL 1.39% of loans, coverage 68.6%, true coverage 57.2%.

ALLL / Loans
1.39%
Coverage
68.6%
True Loss Coverage
57.2%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:20:47 UTC