Total Assets
$15.1B
Total balance-sheet footings
FDIC Cert #58665 · Wilmington, North Carolina · Est. 2008
Live Oak Banking Company - FDIC Bank Health Profile
A community-scale look at Live Oak Banking Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $15.1B
- Total assets
- C
- Health grade · Fair
- 0.82%
- Return on assets
- 10.5%
- Tier 1 capital
Data updated July 2026
The verdict
Live Oak Banking Company earns a PlainBankData health grade of C (58/100), with well-capitalized at 10.46% Tier 1, 0.82% ROA, efficient (56% cost ratio).
- #128
- largest of 4,313 FDIC banks by assets
- 97th
- percentile by asset size, nationally
- 10.46%
- Tier 1 ratio - above the 10% well-capitalized line
- 31st
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Live Oak Banking Company's 58/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Live Oak Banking Company's composite health score
Tier 1 Capital Ratio (10.46%) 28/40
Return on Assets (ROA) (0.82%) 14/25
Texas Ratio (42.18%) 4/20
Efficiency Ratio (56.12%) 12/15
58 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$13.8B
Customer-funded liabilities
Net Loans
$12.2B
Outstanding loan book
Net Income
$115M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Live Oak Banking Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Live Oak Banking Company's score of 58/100 falls in the highlighted band.
Live Oak Banking Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Live Oak Banking Company's $15.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.46% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.46%
Texas Ratio
42.18%
Equity Capital
$1.1B
Profitability metrics
Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
10.95%
Efficiency Ratio
56.12%
What the numbers say about Live Oak Banking Company
Live Oak Banking Company is an FDIC-insured institution (Certificate #58665) headquartered in Wilmington, North Carolina, established in 2008. It holds $15.1B in total assets - 128th of 4,313 FDIC-insured banks, $13.8B in customer deposits, and $12.2B in net loans. Its capital position: a Tier 1 ratio of 10.46%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 42.18% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (58 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Live Oak Banking Company sits in the top decile of all FDIC-insured institutions by asset size (128th of 4,313), and within North Carolina it ranks 4th of 38 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is First Bank, at $12.7B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$908M
Interest Income
$117M
Non-Interest Income
$321M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Live Oak Banking Company reports a Texas Ratio of 42.18% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
42.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in North Carolina by total assets
National size peers: banks closest to Live Oak Banking Company by assets
Measured strictly by total assets rather than geography, Live Oak Banking Company's closest national peers include Popular Bank, Dime Community Bank, First Financial Bank, Toyota Financial Savings Bank, spanning 4 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within North Carolina. Averaged across this asset-matched cohort, return on assets runs 0.76% (Live Oak Banking Company is above that at 0.82%), the efficiency ratio averages 54.12% (Live Oak Banking Company runs higher at 56.12%), and Tier 1 capital averages 25.41% (Live Oak Banking Company holds less at 10.46%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.
At $15.1B in assets, Live Oak Banking Company has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.
| Bank | State | Assets | ROA | Efficiency | Tier 1 |
|---|---|---|---|---|---|
| Live Oak Banking Company (this bank) | NC | $15.1B | 0.82% | 56.12% | 10.46% |
| Popular Bank | NY | $15.1B | 0.60% | 62.61% | 13.79% |
| Dime Community Bank | NY | $15.3B | 0.87% | 53.42% | 14.40% |
| First Financial Bank | TX | $15.4B | 1.64% | 45.67% | 18.18% |
| Toyota Financial Savings Bank | NV | $15.4B | 0.30% | 73.28% | 15.74% |
| Bank of America California, National Association | CA | $15.5B | 0.54% | 52.30% | 36.85% |
| Beal Bank USA | NV | $14.5B | 0.63% | 37.43% | 53.51% |
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Live Oak Banking Company (FDIC Cert #58665) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in North Carolina
All North Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Bank of America, National AssociationCharlotte | $2.64T | A | 1.15% |
| Truist BankCharlotte | $539.5B | A | 1.04% |
| First-Citizens Bank & Trust CompanyRaleigh | $229.3B | B | 1.00% |
| First BankSouthern Pines | $12.7B | A | 0.94% |
| Southern Bank and Trust CompanyMount Olive | $5.2B | A | 1.19% |
| HomeTrust BankAsheville | $4.5B | A | 1.43% |
| The Fidelity BankFuquay Varina | $4.4B | A | 1.74% |
| First Carolina BankRocky Mount | $3.3B | C | 0.51% |
Frequently asked questions
What is Live Oak Banking Company's health grade?▼
Live Oak Banking Company receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Live Oak Banking Company?▼
Live Oak Banking Company holds $15.1B in total assets and $13.8B in deposits, ranking 128th of 4,313 FDIC-insured banks by asset size. It is headquartered in Wilmington, North Carolina.
Is my money safe at Live Oak Banking Company?▼
Yes, deposits at Live Oak Banking Company (Certificate #58665) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Live Oak Banking Company's Tier 1 Capital Ratio?▼
Live Oak Banking Company has a Tier 1 Capital Ratio of 10.46%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Live Oak Banking Company?▼
Live Oak Banking Company has a Texas Ratio of 42.18%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Live Oak Banking Company?▼
Live Oak Banking Company has an Efficiency Ratio of 56.12%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Live Oak Banking Company's profile as a depositor or analyst.
- Live Oak Banking Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Live Oak Banking Company against other North Carolina banks before moving funds. North Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.