Live Oak Bancshares, Inc. Reports Fourth Quarter 2025 Results

About this update from Live Oak Bancshares, Inc.

[{"type":"image","alt":"Live Oak Bancshares, Inc.","displaySize":"","headline":null,"caption":"Live Oak Bancshares, Inc.","className":"","disableSlideshowImg":false,"size":{"original":{"width":300,"height":89,"url":"https://media.zenfs.com/en/globenewswire.com/6aaa11c2399041cf50b202c8b2602f38"},"resized":{"url":"https://s.yimg.com/ny/api/res/1.2/9rqMIrIjTOyLe5HAdHHkHw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTQyMDtoPTEyNTtjZj13ZWJw/https://media.zenfs.com/en/globenewswire.com/6aaa11c2399041cf50b202c8b2602f38","width":300,"height":89}},"lazy":false},{"type":"text","content":"WILMINGTON, N.C., Jan. 21, 2026 (GLOBE NEWSWIRE) -- Live Oak Bancshares, Inc. (NYSE: LOB) (“Live Oak” or “the Company”) today reported fourth quarter of 2025 net income attributable to common shareholders of $44.1 million, or $0.95 per diluted share. Net income attributable to common shareholders for the year ended December 31, 2025, totaled $102.8 million, or $2.23 per diluted share.","length":387,"tagName":"p"},{"type":"text","content":"Live Oak’s performance for the year ended December 31, 2025, compared with the same period in 2024 included these notable items:","length":128,"tagName":"p"},{"type":"list","items":[{"val":[{"type":"text","content":"Strong loan production of $6.21 billion accompanied by strong deposit growth of $1.93 billion in 2025, with total assets growing by 16.9% to $15.13 billion","length":155,"tagName":"p"}]},{"val":[{"type":"text","content":"$96.3 million in capital was raised as a result of preferred stock offering in the third quarter of 2025","length":104,"tagName":"p"}]},{"val":[{"type":"text","content":"Revenue (comprised of net interest income and noninterest income1) increased 18.3% and noninterest expense1 increased 11.7%, which generated 28.9% growth in pre-provision net revenue2 ","length":183,"tagName":"p"}]},{"val":[{"type":"text","content":"Sale of Apiture, Inc. resulting in a pre-tax gain of $24.1 million which is included in equity method investments income (loss)","length":127,"tagName":"p"}]},{"val":[{"type":"text","content":"Provision expense for credit losses of $96.3 million remained relatively flat compared to 2024","length":94,"tagName":"p"}]}],"tagName":"ul","bulletedList":true,"length":663,"olType":false},{"type":"text","content":"“Live Oak Bank delivered solid performance in 2025, a year defined by the resilience of small businesses and a discipline...

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