{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-26-000053","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2026-07-22T20:18:49+00:00","discovered_at":"2026-07-22T20:20:02.236435+00:00","generated_at":"2026-07-22T20:20:38.301349+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Live Oak Bancshares Q2 2026 EPS $0.74, revenue $156.1M, up 11.8% YoY","bullets":["Net income $34.7M ($0.74 diluted EPS) vs $0.51 in Q2 2025, up 48.1%.","Revenue $156.1M, up 7.3% QoQ and 11.8% YoY; NIM 3.33% (+6 bps QoQ).","Loan production $1.55B; total loans $13.14B (+15.6% YoY); deposits $14.55B (+15.5% YoY).","Noninterest expense down 0.9% QoQ; pre-provision net revenue up 19.0% QoQ.","Provision for credit losses $25.8M, up $5.7M QoQ; effective tax rate 19.9%."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-26-000053","json":"https://secwatch.observer/filing/0001462120-26-000053.json","markdown":"https://secwatch.observer/filing/0001462120-26-000053.md","text":"https://secwatch.observer/filing/0001462120-26-000053.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000053/0001462120-26-000053-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000053/lob-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:20:38.301349+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"}