---
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"
generated_at: "2026-05-18T03:19:37.974607+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Live Oak Bancshares Q2 net income $23.4M ($0.51 EPS); record loan originations $1.53B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001462120-25-000054
- JSON: https://secwatch.observer/filing/0001462120-25-000054.json
- Plain text: https://secwatch.observer/filing/0001462120-25-000054.txt

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