Total Assets
$15.1B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Live Oak Banking Company — FDIC Bank Health Profile
Wilmington, North Carolina · Est. 2008. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #58665 Atlanta Region
C
Health grade
Fair
Score: 54/100
Basel III capital ratios — Live Oak Banking Company
Total Deposits
$13.8B
Customer-funded liabilities
Net Loans
$12.2B
Outstanding loan book
Net Income
$115M
Bottom-line earnings
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
10.46%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$1.1B
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.82%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
10.95%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
56.12%
Income & Expense Breakdown
$908M
Interest Income
$117M
Non-Interest Income
$321M
Non-Interest Expense
FDIC Deposit Insurance
Live Oak Banking Company is FDIC-insured (Certificate #58665). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
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. The bank currently holds $15.1B in total assets and $13.8B in customer deposits, with $12.2B deployed as loans. It operates as a State chartered (State member bank) within the FDIC Atlanta region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Live Oak Banking Company reports a Tier 1 Capital Ratio of 10.46% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $1.1B, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.82% and a Return on Equity of 10.95%, with an Efficiency Ratio of 56.12% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of C (54/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Live Oak Banking Company is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in North Carolina by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Live Oak Banking Company (FDIC Cert #58665) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Association Charlotte | $2.6T | B | 1.15% |
| Truist Bank Charlotte | $539.5B | C | 1.04% |
| First-Citizens Bank & Trust Company Raleigh | $229.3B | C | 1.00% |
| First Bank Southern Pines | $12.7B | C | 0.94% |
| Southern Bank and Trust Company Mount Olive | $5.2B | B | 1.19% |
| HomeTrust Bank Asheville | $4.5B | B | 1.43% |
| The Fidelity Bank Fuquay Varina | $4.4B | A | 1.74% |
| First Carolina Bank Rocky Mount | $3.3B | D | 0.51% |
Frequently Asked Questions
What is Live Oak Banking Company's health grade? ▼
Live Oak Banking Company receives a health grade of C (54/100) 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. It is headquartered in Wilmington, North Carolina.
Is my money safe at Live Oak Banking Company? ▼
Yes. Live Oak Banking Company is FDIC-insured (Certificate #58665). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Live Oak Banking Company's Tier 1 Capital Ratio? ▼
Live Oak Banking Company has a Tier 1 Capital Ratio of 10.46%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Live Oak Banking Company? ▼
Live Oak Banking Company has an Efficiency Ratio of 56.12%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.