{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-24-000047","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.121444+00:00","generated_at":"2026-05-31T16:51:51.700048+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Live Oak Q2 net income $27M ($0.59 EPS); loan originations surge 45.5% QoQ","bullets":["Net income $27.0M ($0.59 diluted EPS) vs $27.6M in Q1; total revenue $125.5M, up 8% QoQ.","Loan originations $1.17B, +45.5% QoQ and +36% YoY; total loans $9.54B, +3.4% QoQ.","Net interest margin 3.28% (-5 bps QoQ); net charge-offs $8.3M (0.38% annualized) vs $3.2M Q1.","Nonperforming loans fell to $37.3M (0.42%) from $43.1M (0.51%) QoQ.","Provision for credit losses $11.8M, down from $16.4M Q1; borrowings $117.7M, including $100M term loan."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-24-000047","json":"https://secwatch.observer/filing/0001462120-24-000047.json","markdown":"https://secwatch.observer/filing/0001462120-24-000047.md","text":"https://secwatch.observer/filing/0001462120-24-000047.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212024000047/0001462120-24-000047-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212024000047/lob-20240724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:51:51.700048+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}