---
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"
generated_at: "2026-07-22T20:20:38.301349+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Live Oak Bancshares Q2 2026 EPS $0.74, revenue $156.1M, up 11.8% YoY

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001462120-26-000053
- JSON: https://secwatch.observer/filing/0001462120-26-000053.json
- Plain text: https://secwatch.observer/filing/0001462120-26-000053.txt

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