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Sep 30, 2025
Live Oak Q3 2025 Earnings Report
Live Oak reported strong third quarter results with improved profitability and robust loan production.
Key Takeaways
Live Oak Bancshares delivered solid Q3 2025 performance, generating $146.1 million in revenue and $25.6 million in net income. Loan and lease originations reached $1.65 billion, and net interest margin rose to 3.33%. The company continued growing deposits and strengthened capital through a preferred stock offering.
Net income attributable to common shareholders was $25.6 million, or $0.55 per diluted share
Revenue reached $146.1 million with 8% quarterly growth in loan originations
Net interest margin increased to 3.33%, up from 3.28% in Q2
Allowance for credit losses decreased to 1.65% of loans and leases held for investment
Revenue by Segment
Forward Guidance
Live Oak expects continued strong loan production and deposit growth but remains cautious of credit risks and economic conditions.
Positive Outlook
- Improved net interest margin at 3.33%
- Loan originations grew to $1.65 billion
- Deposit base expanded by $696 million
- Raised $96.3 million via preferred stock issuance
- Apiture sale added $24 million in pre-tax gain post-quarter
Challenges Ahead
- Net charge-offs increased to $16.8 million
- Equity method investments continued to generate losses
- Lease income declined significantly YoY
- Efficiency ratio remains near 60%, reflecting cost pressures
- Noninterest income declined by 11.3% from Q2
Historical Earnings Impact
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Avg. Return Before/After Earnings
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