secwatch.observer — SEC 8-K summary
======================================

Issuer:     Live Oak Bancshares, Inc. (LOB)
CIK:        0001462120
Form:       8-K
Filed at:   2026-04-22T23:59:59+00:00
Accession:  0001462120-26-000036
Event type: earnings
Sentiment:  neutral
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1462120/000146212026000036/0001462120-26-000036-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1462120/000146212026000036/lob-20260422.htm
  HTML page:      https://secwatch.observer/filing/0001462120-26-000036

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer