{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-25-000031","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2025-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.366898+00:00","generated_at":"2026-05-23T07:59:20.278302+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Live Oak Bancshares Q1 EPS $0.21 vs $0.60 YoY; net income $9.7M, loan production record $1.4B","bullets":["Net income attributable to Company of $9.7M; diluted EPS of $0.21, down from $0.60 in Q1 2024.","Record first quarter loan production of $1.40B; total assets grew 5.0% to $13.60B.","Net interest margin expanded 5 bps to 3.20%; net interest income up 3.1% QoQ.","Provision for credit losses of $29.0M, driven by loan growth and macroeconomic pressures on small business borrowers.","Pre-provision net revenue declined 10% QoQ due to 1.5% revenue decline and 3.4% expense increase."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-25-000031","json":"https://secwatch.observer/filing/0001462120-25-000031.json","markdown":"https://secwatch.observer/filing/0001462120-25-000031.md","text":"https://secwatch.observer/filing/0001462120-25-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212025000031/0001462120-25-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212025000031/lob-20250423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:59:20.278302+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"}