{"schema_version":"secwatch.filing_event.v1","accession":"0001462120-26-000068","form_type":"8-K","ticker":"LOB","cik":"0001462120","company_name":"Live Oak Bancshares, Inc.","filed_at":"2026-10-21T20:19:55+00:00","discovered_at":"2026-10-21T20:21:09.306973+00:00","generated_at":"2026-10-21T20:21:15.025027+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.62,"calibrated_materiality_score":0.62,"confidence":"high","headline":"Live Oak Bancshares Q3 2026 EPS falls to $0.52 from $0.74 on $54.7M provision; revenue up 23.4% YoY","bullets":["Net income attributable to common shareholders $24.3M, or $0.52 per diluted share, vs $0.74 in 2Q26 and $0.55 in 3Q25; income before taxes $35.2M fell 23.1% QoQ.","Total revenue $175.6M, up 12.5% QoQ and 23.4% YoY; net interest income rose 6.1% QoQ and 15.2% YoY; net interest margin slipped 3 bp to 3.30%.","Provision for credit losses $54.7M, up $28.9M QoQ and $32.5M YoY, including $17.0M of \"decisive action\" on the stressed distillery portfolio plus reserves for loan growth.","Loan and lease production $2.13B, +37.8% QoQ and +29.4% YoY; deposits grew $920.6M to $15.47B; total assets $17.0B, up 15.7% YoY.","Noninterest expense $85.7M (+2.6% YoY) helped lift pre-provision net revenue 25.6% QoQ and 52.9% YoY; CEO Chip Mahan cites Live Oak Express momentum."],"urls":{"canonical":"https://secwatch.observer/filing/0001462120-26-000068","json":"https://secwatch.observer/filing/0001462120-26-000068.json","markdown":"https://secwatch.observer/filing/0001462120-26-000068.md","text":"https://secwatch.observer/filing/0001462120-26-000068.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000068/0001462120-26-000068-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1462120/000146212026000068/lob-20261021.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T20:21:15.025027+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"}