{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-26-000036","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:32.311078+00:00","generated_at":"2026-05-15T04:52:11.435830+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Live Oak Q1 2026 net income $27.9M ($0.60 EPS); loan production $1.37B","bullets":["Net income $27.9M, diluted EPS $0.60; vs Q4 2025 $44.1M ($0.95) and Q1 2025 $9.7M ($0.21).","Loan production $1.37B; total loans $12.59B, assets $15.30B (+12.5% YoY).","Net interest margin 3.27%, down 11bps QoQ, up 7bps YoY; revenue $145.5M (-15.9% QoQ, +18.4% YoY).","Provision for credit losses $20.1M, down $1.7M QoQ and $8.9M YoY.","Deposits grew $146.4M to $13.84B; total deposits up 11.6% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-26-000036","json":"https://secwatch.observer/filing/0001462120-26-000036.json","markdown":"https://secwatch.observer/filing/0001462120-26-000036.md","text":"https://secwatch.observer/filing/0001462120-26-000036.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000036/0001462120-26-000036-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000036/lob-20260422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:52:11.435830+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":[{"claim_id":"127f90275d5708c519120eae4e6df5a184a97b69","claim":"Live Oak Bancshares, Inc. reported first quarter ended March 31, 2026 results: net income $27.9 million, EPS $0.60 per diluted common share.","evidence_excerpt":"NC, April 22, 2026 - Live Oak Bancshares, Inc. (NYSE: LOB) (“Live Oak” or “the Company”) today reported first quarter of 2026 net income attributable to common shareholders of $27.9 million, or $0.60 per diluted common share. Live Oak’s performance in the quarter, compared to the fourth quarter of 2025 and first quarter of 2025, includes these notable items: •","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000036/0001462120-26-000036-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2026"},{"label":"Net income","value":"$27.9 million"},{"label":"EPS","value":"$0.60 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}