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Live Oak Bancshares Inc (LOB) Annual Income Statement

Annual · GAAP · USD millions
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Quarterly income statement trends provide context on Live Oak Bancshares Inc's margins, operating leverage, and earnings trajectory.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases830.58
Interest Income, Securities, Operating, Taxable47.59
Other Interest and Dividend Income30.30
Total Interest Income908.47
Interest Expense, Deposits453.41
Interest Expense, Borrowings6.70
Total Interest Expense460.11
Net Interest Income448.36
Provision for loan losses96.30
Total Net Interest Income352.06
Noninterest Income, Other13.83
Loss / Gain on Investment17.39
Other Non-Interest Income97.03
Total Non-interest Income129.46
Total Revenues481.51
Costs & Expenses
Salaries & employee benefits, SGA12.22
Restructuring, Accretion & impairment charges0.74
Communications, Occupancy and Information Technology16.79
Professional Fees10.75
Federal Deposit Insurance Corporation Premium Expense14.67
Other Noninterest Expense18.25
Other loss /-income246.81
Total Operating Expenses338.70
Total Costs & Expenses798.81
Income & Taxes
Income /-loss before income taxes142.82
Income taxes expenses/-benefit37.17
Income after income taxes105.64
Net income/-loss of other equity0.00
Income /-loss after income taxes105.64
Stockholders Equity Attributable to Noncontrolling Interest0.23
Net Income/-loss105.64
Non-controlling interests0.23
Preferred dividends3.05
Income/-loss to shareholder102.82
Earnings Per Share
Basic EPS (excl. extra items)2.25
Basic Net EPS2.25
Basic shares outstanding (Mill. of Units)45.70
Diluted Net EPS2.23
Diluted average shares (Mill. of Units)46.04
Dividend per share0.12
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About Live Oak Bancshares Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: February 26, 2026
  • Original filing: lob-20251231.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.