---
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"
generated_at: "2026-05-17T02:43:08.215749+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Live Oak Q3 net income $25.6M ($0.55 EPS); loan production $1.65B, assets up 16% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1462120/000146212025000088/0001462120-25-000088-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1462120/000146212025000088/lob-20251022.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001462120-25-000088
- JSON: https://secwatch.observer/filing/0001462120-25-000088.json
- Plain text: https://secwatch.observer/filing/0001462120-25-000088.txt

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