{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-25-000054","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2025-07-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.030213+00:00","generated_at":"2026-05-18T03:19:37.974607+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Live Oak Bancshares Q2 net income $23.4M ($0.51 EPS); record loan originations $1.53B","bullets":["Net income $23.4M, $0.51 diluted EPS vs $0.21 in Q1 and $0.59 in Q2 2024.","Record quarterly loan/lease production of $1.53B, up 9.3% QoQ; total loans $11.36B.","Net interest margin expanded 8 bps to 3.28%; revenue $143.7M, up 14.0% QoQ.","Provision for credit losses $23.3M, down $5.7M from Q1; total assets $13.83B."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-25-000054","json":"https://secwatch.observer/filing/0001462120-25-000054.json","markdown":"https://secwatch.observer/filing/0001462120-25-000054.md","text":"https://secwatch.observer/filing/0001462120-25-000054.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212025000054/0001462120-25-000054-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212025000054/lob-20250723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T03:19:37.974607+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"}