{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-25-000088","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2025-10-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.452995+00:00","generated_at":"2026-05-17T02:43:08.215749+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 Q3 net income $25.6M ($0.55 EPS); loan production $1.65B, assets up 16% YoY","bullets":["Net income of $25.6M ($0.55 diluted EPS) vs $13.0M ($0.28) in Q3 2024; net interest income up 19.1% YoY.","Total revenue $146.1M, up 1.6% QoQ and 12.4% YoY; noninterest expense $87.3M, down 2.2% QoQ.","Loan production of $1.65B; total loans $11.9B, up 4.8% QoQ; deposits grew $695.9M to $13.29B.","Raised $96.3M via preferred stock offering in Q3; subsequent sale of Apiture adds ~$24M pre-tax gain.","Provision for credit losses $22.2M, down $1.0M QoQ and $12.3M YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-25-000088","json":"https://secwatch.observer/filing/0001462120-25-000088.json","markdown":"https://secwatch.observer/filing/0001462120-25-000088.md","text":"https://secwatch.observer/filing/0001462120-25-000088.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212025000088/0001462120-25-000088-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212025000088/lob-20251022.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:43:08.215749+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"}