---
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"
generated_at: "2026-05-15T04:52:11.435830+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Live Oak Q1 2026 net income $27.9M ($0.60 EPS); loan production $1.37B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001462120-26-000036
- JSON: https://secwatch.observer/filing/0001462120-26-000036.json
- Plain text: https://secwatch.observer/filing/0001462120-26-000036.txt

## Key facts
- Earnings Releases
  Live Oak Bancshares, Inc. reported first quarter ended March 31, 2026 results: net income $27.9 million, EPS $0.60 per diluted common share.
  - Period: first quarter ended March 31, 2026
  - Net income: $27.9 million
  - EPS: $0.60 per diluted common share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1462120/000146212026000036/0001462120-26-000036-index.htm

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