| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.1% | +5.9% | +10.3 pts |
| Deposit growth (YoY) | +16.2% | +5.7% | +10.5 pts |
| Loan growth (YoY) | +15.8% | +6.9% | +8.9 pts |
| ROA | 0.96% | 1.23% | -0.3 pts |
| ROE | 12.6% | 11.2% | +1.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.96B | $14.68B | $12.95B | $1.21B | $73.9M | 0.96% | 3.34% | 3.37% |
| Q1 2026 | $15.23B | $13.97B | $12.40B | $1.17B | $33.6M | 0.89% | 3.32% | 3.39% |
| Q4 2025 | $15.06B | $13.83B | $12.20B | $1.14B | $114.6M | 0.82% | 3.40% | 3.78% |
| Q3 2025 | $14.58B | $13.43B | $11.73B | $1.08B | $68.7M | 0.67% | 3.36% | 3.61% |
| Q2 2025 | $13.74B | $12.64B | $11.18B | $1.04B | $39.2M | 0.59% | 3.33% | 3.42% |
| Q1 2025 | $13.50B | $12.45B | $10.87B | $1.00B | $13.2M | 0.40% | 3.24% | 3.65% |
| Q4 2024 | $12.86B | $11.82B | $10.41B | $970.4M | $84.5M | 0.71% | 3.36% | 2.88% |
| Q3 2024 | $12.53B | $11.47B | $10.02B | $975.3M | $71.6M | 0.81% | 3.38% | 2.25% |
Loan mix (Q2 2026): real estate $7.21B · commercial $4.77B · consumer $0 · securities $1.47B
| Ratio | Live Oak Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.23% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.3% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 54.9% | 43th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Live Oak Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Live Oak Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Live Oak Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Live Oak Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.