{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-24-000062","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.493732+00:00","generated_at":"2026-05-30T11:03:00.290556+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Live Oak Q3 net income $13M (-51.7% YoY); record loan production $1.76B","bullets":["Net income $13.0M ($0.28 diluted EPS) vs $39.8M ($0.88) in Q3 2023, down 51.7%.","Total revenue $129.9M, up 3.5% QoQ and 2.1% YoY.","Loan production $1.76B, up 50.1% QoQ, highest quarter excluding PPP.","Provision for credit losses $34.5M, up from $11.8M in Q2 and $10.3M in Q3 2023.","Allowance for credit losses / loans at historical cost rose to 1.78% from 1.57%."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-24-000062","json":"https://secwatch.observer/filing/0001462120-24-000062.json","markdown":"https://secwatch.observer/filing/0001462120-24-000062.md","text":"https://secwatch.observer/filing/0001462120-24-000062.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212024000062/0001462120-24-000062-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212024000062/lob-20241023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:03:00.290556+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"}