Live Oak Bancshares, Inc.
Live Oak Bancshares, Inc. (NYSE: LOB) operates as a bank holding company for Live Oak Banking Company, a North Carolina-chartered commercial bank that has established itself as a national online platform specializing in small business lending. The company's website is www.liveoak.bank. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Live Oak Bancshares, Inc. does
In the company’s own words
Live Oak Bancshares, Inc. (NYSE: LOB) operates as a bank holding company for Live Oak Banking Company, a North Carolina-chartered commercial bank that has established itself as a national online platform specializing in small business lending. The company's website is www.liveoak.bank.
The company predominantly originates loans partially guaranteed by the U.S. Small Business Administration under the Section 7(a) program, as well as loans guaranteed by the United States Department of Agriculture through programs including the Rural Energy for America Program, Water and Environmental Program, Business & Industry, and Community Facilities. Live Oak Bank operates without traditional branch locations, instead leveraging a technology-based platform to serve small businesses and professionals across the country with what management characterizes as lower-risk lending characteristics.
A core element of Live Oak's business model involves focusing on carefully selected industry verticals, developing deep knowledge of customers' businesses through virtual and regular visits, and utilizing proprietary technology to optimize loan origination, customer experience, and servicing activities. The company emphasizes personalized service delivery while maintaining operational efficiency through its fully cloud-based infrastructure.
As of December 31, 2025, the company employed 1,027 full-time employees, 13 part-time employees, and 37 independent contractors. The company operates through one significant operating segment and maintains wholly owned subsidiaries including Live Oak Ventures, Inc., which invests in financial technology businesses; Government Loan Solutions, Inc., which provides consulting services to government-guaranteed lending participants; Live Oak Private Wealth, LLC, a registered investment advisor; and Live Oak Clean Energy Financing LLC, which provides renewable energy financing.
Live Oak Bank competes with national banking organizations, community banks, credit unions, and non-bank lenders including financial technology companies. The company distinguishes itself through its specialized technology platform, industry vertical expertise, and personnel with relevant experience in targeted lending sectors. The company's competitive positioning reflects its focus on serving the small business lending market through an integrated technology and relationship-based approach.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- WILMINGTON, NC
- Fiscal year end
- December
- CIK
- 1462120
- SIC
- 6022
Financial performance, year by year
Fiscal 2015–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Live Oak Bancshares, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Live Oak Bancshares, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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