{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-25-000003","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.695746+00:00","generated_at":"2026-05-27T19:02:25.397720+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 Q4 net income $9.9M ($0.22 EPS); full-year loan production record $5.16B","bullets":["Q4 net income $9.9M ($0.22 diluted EPS), down 24% QoQ and 39% YoY; revenue $128.1M, flat QoQ.","Full-year 2024 net income $77.5M ($1.69 EPS); revenue up 9% to $499.7M, noninterest expense down 3%.","Record loan production of $5.16B in 2024, up 31% YoY; total assets $12.94B, up 15%.","Provision for credit losses increased 87.5% to $44.9M, driven by loan growth and macro conditions.","Deposits grew 14% to $11.76B; focus on non-interest bearing deposits and small-dollar loan production."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-25-000003","json":"https://secwatch.observer/filing/0001462120-25-000003.json","markdown":"https://secwatch.observer/filing/0001462120-25-000003.md","text":"https://secwatch.observer/filing/0001462120-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212025000003/0001462120-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212025000003/lob-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T19:02:25.397720+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"}