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BDI
LO

Live Oak Banking Company

Wilmington, North CarolinaFDIC Cert #58665

STATEEstablished 20081 branch

Holding company: LIVE OAK BANCSHARES INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$2.97B
Investor CRE$1.92B
Multifamily$26.1M
Construction$915M
1–4 family$238M
C&I$4.67B
Agriculture$723M
Other$1.12B

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$12.6B
+13.8%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSGR
Net loans
$12.4B
+14.1%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSNET
Loans YoY
+14.06%
−28.5%y/y
Percentile by value70th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSNET
L/D
88.8%
+1.6%y/y
Percentile by value68th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSNET + DEP
Loans/assets
81.4%
+1.1%y/y
Percentile by value95th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNLSNET + ASSET
RE loans %
53.84%
+2.3%y/y
Percentile by value22nd percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
216%
+3.1%y/y
Percentile by value52nd percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
69%
+0.4%y/y
Percentile by value84th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
2,254points
−10.1%y/y
Peer standing17th percentile
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
23.60%
+3.0%y/y
Percentile by value98th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNRENROW + LNLSGR
Investor CRE %
15.26%
+3.9%y/y
Percentile by value37th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNRENROT + LNLSGR
C&I %
37.10%
−9.3%y/y
Percentile by value97th percentileby value
Peer standing in FFIEC UBPR Peer Group 2 — Insured commercial banks having assets between $10 billion and $100 billion
FDICLNCI + LNLSGR