34.64
+2.12%
Close of 9 Nov 2026, in USD
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About Live Oak Bancshares
From its filings with the US Securities and Exchange Commission
Live Oak Bancshares is based in Wilmington, North Carolina and is incorporated in North Carolina. Its shares trade on NYSE under the ticker LOB. The SEC classifies its business as state commercial banks. In the fiscal year to 31 December 2025, it reported net income of $105.9m. At that date it held total assets of $15.13bn and shareholders' equity of $1.25bn.
Live Oak Bancshares, Inc. (individually, “Bancshares” and collectively with its subsidiaries including Live Oak Banking Company, the “Company,” also referred to as “our” and “we”), headquartered in Wilmington, North Carolina, is the bank holding company for Live Oak Banking Company (the “Bank” or “Live Oak Bank”). The Bank was incorporated in February 2008 as a North Carolina-chartered commercial bank and operates an established national online platform for small business lending and deposit gathering. Bancshares was incorporated under the laws of the state of North Carolina on December 18, 2008, for the purpose of serving as the bank holding company of Live Oak Bank. Bancshares completed its initial public offering (“IPO”) in July 2015.
The Company predominantly originates loans partially guaranteed by the U.S. Small Business Administration (the “SBA”) and to a lesser extent by the United States Department of Agriculture (“USDA”) Rural Energy for America Program (“REAP”), Water and Environmental Program (“WEP”), Business & Industry (“B&I”) and Community Facilities loan programs. These loans are to small businesses and professionals with what the Company believes are lower risk characteristics. Industries, or “verticals,” on which the Company focuses its lending efforts are carefully selected. The Company also lends more broadly to select borrowers outside of those verticals.
Quoted from its 10-K, filed 27 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 23 Jul 2015
- Employees
- 1,008
- Website
- liveoakbank.com ↗
- Head office
- 1741 TIBURON DRIVE, WILMINGTON, NC, 28403
- Incorporated in
- NC
- Classification
- State Commercial Banks
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. James MahanChairman of the Board, Chief Executive Officer, since 2008$844,974
- Mr. William LoschPresident, President of Live Oak Bank$13.1m
- Mr. William WilliamsVice Chairman of the Board, Executive Vice President, since 2012
- Mr. Walter PhiferChief Financial Officer$808,319
- Mr. J. Wesley SutherlandChief Accounting Officer
- Mr. Renato DerraikChief Information and Digital Officer of Live Oak Banking Company$1.5m
- Mr. Micah DavisChief Marketing and Communications Officer Live Oak Banking Company
- Mr. Gregory SewardChief Risk Officer, General Counsel$1.1m
- Mr. Michael CairnsChief Credit Officer
- Ms. Stephanie MannChief Strategy Officer$2.5m
- Ms. Courtney SpencerChief Experience Officer
- Mr. Jeffrey LunsfordDirector
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 42
- Environment
- 37
- Social
- 56
- Governance
- 33
- Carbon reduction policy
- No
- Human rights policy
- No
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Live Oak Bancshares Inc has a strong and well-established reputation in the banking industry. Its expertise in online banking and innovative technological solutions sets it apart from traditional banks.
- The company has a robust financial position, with steadily increasing revenues and profitability over the years. This allows them to invest in further technological advancements and expansion opportunities.
Weaknesses
- Live Oak Bancshares Inc may face challenges in attracting and retaining a diverse customer base due to its digital-centric approach. Customers who prefer face-to-face interactions may opt for traditional brick-and-mortar banks.
- The company's heavy reliance on technology also puts it at risk of potential cybersecurity threats, which could undermine customer trust and compromise sensitive financial information.
Opportunities
- The ongoing trend of digitalization in the banking industry provides Live Oak Bancshares Inc with significant growth opportunities. As more customers embrace online and mobile banking, the company can expand its customer base and tap into new markets.
- The ability to offer personalized, tailored financial products and services through advanced technologies presents an opportunity for Live Oak Bancshares Inc to differentiate itself and attract a niche customer segment.
Threats
- Competition from both established banks and emerging fintech companies poses a threat to Live Oak Bancshares Inc. These competitors may offer similar digital banking solutions, making it crucial for Live Oak Bancshares Inc to continuously innovate and stay ahead.
- Changes in regulatory frameworks and compliance requirements could also impede the company's operations and increase costs, impacting its profitability and growth potential.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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