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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 58665 · NC C · 58/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-LARGE · BOOK-FULL

  • GRADE-C C (58/100)
  • BOTTOM-DECILE #3880/4307
  • PHOTO-FINISH Locality Bank · FL
  • TIER1-WELL 10.5% Tier 1
  • TEXAS-HEALTHY 42.2% Texas
  • ROA-PAR 0.82% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Carolina: Locality Bank, FL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Live Oak Banking Company

Lowest and highest poles plus nearest scored peers outside North Carolina, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Commerce · OK · near58/100Highlands Community… · VA · …58/100Live Oak Banking Com… · NC ·…58/100Locality Bank · FL · near58/100Patriot Bank · TN · near58/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Live Oak Banking Company · July 2026

What Live Oak Banking Company's Call Report plate shows

Live Oak Banking Company (FDIC Cert #58665) carries a PlainBankData health grade of C at 58/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,880 of 4,307. Tier 1 capital prints at 10.46%, clearing the 10% well-capitalized line. The Texas Ratio is 42.18%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.82%. Balance-sheet scale is $15.1B, 128th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Locality Bank (FL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Live Oak Banking Company

7 FAILURE resolutions in North Carolina since 2000 (7 since 2008)

Live Oak Banking Company's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Live Oak Banking Company remains an active FDIC-insured reporter.

  • PISGAH COMMUNITY BANK ASHEVILLE, NC 2013 → CAPITAL BANK, NATIONAL ASSOCIATION
  • PARKWAY BANK LENOIR, NC 2013 → CERTUSBANK, NATIONAL ASSOCIATION
  • WACCAMAW BANK WHITEVILLE, NC 2012 → FIRST COMMUNITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Carolina banks.

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.

0/100100/100National avg77/10058/100
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 Assets

$15.1B

Total balance-sheet footings

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

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.06% 10.46% 11.86%
Basel III capital ratios - Live Oak Banking Company

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

58 10th percentile higher than 10% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Live Oak Banking Company 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for Live Oak Banking Company

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

What these ratios mean →

Profitability metrics: Live Oak Banking Company

Return on Assets (ROA)
31st percentile nationally
0.82%
Return on Equity (ROE)
10.95%
Efficiency Ratio
56.12%

What these mean →

Income & expense at Live Oak Banking Company

$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.

FDIC Failed Bank List → View Live Oak Banking Company on FDIC BankFind →

Top banks in North Carolina by total assets

Largest banks headquartered in North Carolina
  1. 1
    Bank of America $2.64T

    Charlotte, NC · Grade A

  2. 2
    Truist Bank $539.5B

    Charlotte, NC · Grade A

  3. 3
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  4. 4
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

  5. 5
    First Bank $12.7B

    Southern Pines, NC · Grade A

Top 5 banks in North Carolina ranked by total assets · FDIC Call Report Q4 2025.

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.

Closest banks to Live Oak Banking Company nationally by total assets
  1. 1
    Popular Bank $15.1B

    New York, NY · Grade B

  2. 2
    Dime Community Bank $15.3B

    Hauppauge, NY · Grade A

  3. 3
    First Financial Bank $15.4B

    Abilene, TX · Grade A

  4. 4
    Toyota Financial Savings Bank $15.4B

    Henderson, NV · Grade B

  5. 5
    Bank of America California $15.5B

    San Francisco, CA · Grade A

  6. 6
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 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%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($15.1B here), outside North Carolina so the neighborhood is not state containment.

Popular Bank $15.1B · NY Dime Community Bank $15.3B · NY First Financial Bank $15.4B · TX Toyota Financial Savings Bank $15.4B · NV

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.

Live Oak Banking Company Call Report profile · FDIC Failed Bank List · North Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Carolina

All North Carolina banks →
BankAssetsGradeROA
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%