---
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"
generated_at: "2026-05-27T19:02:25.397720+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Live Oak Q4 net income $9.9M ($0.22 EPS); full-year loan production record $5.16B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001462120-25-000003
- JSON: https://secwatch.observer/filing/0001462120-25-000003.json
- Plain text: https://secwatch.observer/filing/0001462120-25-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.