Live Oak Bancshares, Inc. (LOB) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash & Short Term Investments | 2.25B | 1.73B | 1.64B | 1.39B | 1.45B | 634.39M | 1.9B | 1.77B | 1.72B | 1.71B | 1.64B | 1.95B | 1.62B | 1.3B | 1.34B | 1.51B | 1.33B | 1.1B | 1.2B | 1.25B |
| Cash & Due from Banks | 816.13M | 865.15M | 892.7M | 663M | 744.51M | 609.05M | 666.59M | 615.7M | 597.64M | 582.79M | 538.52M | 812.13M | 467.19M | 284.24M | 339.3M | 584.74M | 482.03M | 191.95M | 342.36M | 434.91M |
| Short Term Investments | 1.43B | 861.6M | 743.02M | 728.21M | 701.38M | 25.34M | 1.23B | 1.15B | 1.12B | 1.13B | 1.1B | 1.13B | 1.15B | 1.01B | 1.01B | 927.97M | 844.58M | 906.05M | 861.38M | 817.9M |
| Total Investments | 13.27B | 13.06B | 12.47B | 11.91B | 11.57B | 11.66B | 11.26B | 10.55B | 10.2B | 10.02B | 9.75B | 9.37B | 9.26B | 8.82B | 8.32B | 7.92B | 7.55B | 7.48B | 7.26B | 7.27B |
| Investments Growth % | 14.65% | 12.03% | 10.8% | 12.91% | 13.41% | 16.35% | 15.41% | 12.55% | 10.18% | 13.66% | 17.26% | 18.32% | 22.7% | 17.87% | 14.53% | 9.02% | 4.03% | 6.58% | 4.52% | 14.21% |
| Long-Term Investments | 12.4B | 12.2B | 11.73B | 11.18B | 10.87B | 11.63B | 10.02B | 9.4B | 9.08B | 8.9B | 8.65B | 8.24B | 8.11B | 7.8B | 7.31B | 6.99B | 6.7B | 6.57B | 6.4B | 6.45B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 32.98M | 33.05M | 0 | 0 | 0 | 33.47M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 34.47M | 0 | 34.73M |
| Goodwill | 0 | 0 | 0 | 32.16M | 32.16M | 0 | 0 | 0 | 32.16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 32.16M | 0 | 32.16M |
| Intangible Assets | 0 | 0 | 0 | 819K | 888K | 0 | 0 | 0 | 1.31M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.31M | 0 | 2.57M |
| PP&E (Net) | 235.33M | 240.2M | 241.14M | 246.49M | 259.11M | 264.06M | 267.03M | 267.86M | 258.07M | 257.88M | 258.04M | 269.49M | 268.14M | 263.29M | 260.29M | 257.93M | 254.87M | 240.2M | 244.21M | 249.07M |
| Other Assets | 1.76B | 966.41M | 1.06B | 977.91M | 985.97M | 410.21M | 416.88M | 435.91M | 444.96M | 409.55M | 400.06M | 364.38M | 367.25M | 491.03M | 396.96M | 356.18M | 334.68M | 301M | 287.7M | 292.83M |
| Total Current Assets | 905.13M | 1.73B | 1.64B | 1.39B | 1.45B | 634.39M | 1.9B | 1.77B | 1.72B | 1.71B | 1.64B | 1.95B | 1.62B | 1.3B | 1.34B | 1.51B | 1.33B | 1.1B | 1.2B | 1.25B |
| Total Non-Current Assets | 14.39B | 13.41B | 13.03B | 12.44B | 12.15B | 12.31B | 10.71B | 10.1B | 9.79B | 9.56B | 9.31B | 8.87B | 8.75B | 8.56B | 7.97B | 7.61B | 7.29B | 7.12B | 6.93B | 6.99B |
| Total Assets | 15.3B | 15.13B | 14.67B | 13.83B | 13.6B | 12.94B | 12.61B | 11.87B | 11.51B | 11.27B | 10.95B | 10.82B | 10.36B | 9.86B | 9.31B | 9.12B | 8.62B | 8.21B | 8.14B | 8.24B |
| Asset Growth % | 12.54% | 16.93% | 16.33% | 16.54% | 18.17% | 14.83% | 15.13% | 9.7% | 11.01% | 14.37% | 17.56% | 18.62% | 20.24% | 19.99% | 14.47% | 10.65% | 2.4% | 4.33% | 0.54% | 0.41% |
| Return on Assets (ROA) | 0.2% | 0.3% | 0.19% | 0.17% | 0.07% | 0.08% | 0.11% | 0.23% | 0.24% | 0.15% | 0.37% | 0.17% | 0% | 0.02% | 0.47% | 1.09% | 0.41% | 0.37% | 0.41% | 0.76% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 99.75M | 102.4M | 105.05M | 107.66M | 110.25M | 112.82M | 115.37M | 117.75M | 120.24M | 23.35M | 25.85M | 28.32M | 30.77M | 83.2M | 35.62M | 86.21M | 196.91M | 318.29M | 575.02M | 1.01B |
| Net Debt | -716.39M | -762.75M | -787.65M | -555.35M | -634.27M | -496.23M | -551.21M | -497.95M | -477.4M | -559.44M | -512.68M | -783.81M | -436.42M | -201.04M | -303.68M | -498.53M | -285.12M | 126.34M | 232.66M | 577.52M |
| Long-Term Debt | 99.75M | 102.4M | 105.05M | 107.66M | 110.25M | 112.82M | 115.37M | 117.75M | 120.24M | 23.35M | 25.85M | 28.32M | 30.77M | 33.2M | 35.62M | 86.21M | 176.93M | 310.28M | 571.02M | 1.01B |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 50M | 0 | 0 | 19.98M | 8M | 0 | 0 |
| Other Liabilities | 13.92B | 89.61M | 67.58M | 61.49M | 58.06M | 66.57M | 83.67M | 82.75M | 74.25M | 70.38M | 70.6M | 79.28M | 88.73M | 76.33M | 71.96M | 87.28M | 72.56M | 67.93M | 56.28M | 52.58M |
| Total Current Liabilities | 13.84B | 13.69B | 13.29B | 12.59B | 12.4B | 11.76B | 11.4B | 10.71B | 10.38B | 10.28B | 10B | 9.88B | 9.42B | 8.93B | 8.4B | 8.16B | 7.66B | 7.12B | 6.82B | 6.52B |
| Total Non-Current Liabilities | 14.02B | 192.01M | 172.63M | 169.15M | 168.31M | 179.39M | 199.04M | 200.49M | 194.49M | 93.74M | 96.45M | 107.6M | 119.5M | 109.54M | 107.57M | 173.49M | 249.49M | 378.22M | 631.3M | 1.07B |
| Total Liabilities | 14.02B | 13.88B | 13.46B | 12.76B | 12.56B | 11.94B | 11.6B | 10.91B | 10.58B | 10.37B | 10.1B | 9.99B | 9.54B | 9.04B | 8.51B | 8.33B | 7.91B | 7.5B | 7.45B | 7.59B |
| Total Equity | 1.28B | 1.25B | 1.2B | 1.07B | 1.03B | 1B | 1.01B | 961.05M | 928.26M | 902.67M | 850.37M | 832.49M | 822.81M | 811.03M | 802.17M | 791.66M | 713.33M | 715.13M | 689.42M | 657.35M |
| Equity Growth % | 24.27% | 24.97% | 19.33% | 11.05% | 11.12% | 11.17% | 18.51% | 15.44% | 12.82% | 11.3% | 6.01% | 5.16% | 15.35% | 13.41% | 16.35% | 20.43% | 20.83% | 25.94% | 18.02% | 19.86% |
| Equity / Assets (Capital Ratio) | 8.38% | 8.29% | 8.2% | 7.72% | 7.59% | 7.75% | 7.99% | 8.1% | 8.07% | 8.01% | 7.77% | 7.69% | 7.94% | 8.23% | 8.61% | 8.68% | 8.28% | 8.71% | 8.47% | 7.97% |
| Return on Equity (ROE) | 2.37% | 3.59% | 2.34% | 2.23% | 0.95% | 0.98% | 1.32% | 2.85% | 3.01% | 1.84% | 4.73% | 2.12% | 0.05% | 0.22% | 5.38% | 12.9% | 4.83% | 4.29% | 5.03% | 10.19% |
| Book Value per Share | 27.68 | 27.09 | 26.02 | 23.30 | 22.54 | 21.74 | 21.93 | 21.11 | 20.34 | 19.92 | 18.78 | 18.57 | 18.30 | 18.11 | 17.91 | 17.67 | 15.77 | 15.73 | 15.31 | 14.59 |
| Tangible BV per Share | 27.68 | 27.09 | 26.02 | 22.58 | 21.82 | 21.74 | 21.93 | 21.11 | 19.60 | 19.92 | 18.78 | 18.57 | 18.30 | 18.11 | 17.91 | 17.67 | 15.77 | 14.97 | 15.31 | 13.82 |
| Common Stock | 392.26M | 388.39M | 383.29M | 377.95M | 370.51M | 365.61M | 361.93M | 356.38M | 349.65M | 344.57M | 340.93M | 341.03M | 334.67M | 330.85M | 325.63M | 320.92M | 315.61M | 312.29M | 309.49M | 305.21M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 836.44M | 809.88M | 770.82M | 746.45M | 724.22M | 715.77M | 707.03M | 695.17M | 669.31M | 642.82M | 627.76M | 589.04M | 572.53M | 572.5M | 571.78M | 530.02M | 434.23M | 400.89M | 371.87M | 339.01M |
| Accumulated OCI | -47.35M | -44.67M | -52.15M | -61.51M | -67.7M | -82.34M | -61.2M | -90.5M | -91.24M | -84.72M | -118.32M | -97.58M | -84.39M | -92.32M | -95.24M | -59.28M | -36.51M | 1.95M | 8.06M | 13.12M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 96.27M | 96.27M | 96.27M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |