BlastPoint's Banking Scorecard
Live Oak Banking Company
Mid-Market
Specialty: Commercial
NC
FDIC cert 58665
Wilmington, NC
201
banks in Mid-Market tier nationally
3 in NC
View Mid-Market leaderboard (NC) →
Live Oak Banking Company faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.91% above tier
- - Non-Interest-Bearing Deposit Share 15.93% below tier
- - Nonperforming Asset Ratio 3.28% above tier
- - Tier 1 Capital Ratio 3.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.1B
+17.1% YoY
+3.3% QoQ
|
+$4.6B |
$10.5B
+2.9% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$12.2B
+17.2% YoY
+4.0% QoQ
|
+$5.1B |
$7.1B
+4.5% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$13.8B
+17.0% YoY
+3.0% QoQ
|
+$5.3B |
$8.5B
+3.0% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
0.82%
+16.3% YoY
+22.6% QoQ
|
-0.34% |
1.16%
+9.4% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.40%
+1.3% YoY
+1.2% QoQ
|
+0.01% |
3.40%
+7.9% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
56.12%
-6.5% YoY
-5.8% QoQ
|
-0.49% |
56.60%
-3.2% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
4.60%
+30.1% YoY
+4.5% QoQ
|
+3.91% |
0.68%
+12.0% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
88.26%
+0.2% YoY
+1.0% QoQ
|
+2.78% |
85.47%
+1.1% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
4.71%
+46.9% YoY
+0.3% QoQ
|
-15.93% |
20.64%
-0.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
3.78%
+31.4% YoY
+4.6% QoQ
|
+3.28% |
0.50%
+7.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.46%
-4.6% YoY
-0.2% QoQ
|
-3.09% |
13.55%
+1.8% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
Bottom 9% in tier |
| Non-Interest Income / Assets ? |
0.78%
-11.3% YoY
+34.8% QoQ
|
-0.18% |
0.96%
+7.1% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
4.60%
(Tier avg: 0.68%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
4.71%
(Tier avg: 20.64%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
3.78%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
10.46%
(Tier avg: 13.55%, National avg: 9.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Total Deposits
Current: $13.8B · Tier avg: $8.5B
85
85th pctile
Total Loans
Current: $12.2B · Tier avg: $7.1B
79
79th pctile
Total Assets
Current: $15.1B · Tier avg: $10.5B
64
64th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.96%
55
55th pctile
Efficiency Ratio
Current: 56.12% · Tier avg: 56.60%
54
54th pctile
Loan-to-Deposit Ratio
Current: 88.26% · Tier avg: 85.47%
45
45th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.40%
25
25th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 4.71% · Tier avg: 20.64%
9
9th pctile
Tier 1 Capital Ratio
Current: 10.46% · Tier avg: 13.55%
0
0th pctile
Delinquency Rate
Current: 4.60% · Tier avg: 0.68%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.78% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.78% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.60% · Tier avg: 0.68%
9
9th pctile
Tier 1 Capital Ratio
Current: 10.46% · Tier avg: 13.55%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 4.71% · Tier avg: 20.64%
25
25th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
45
45th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.40%
54
54th pctile
Loan-to-Deposit Ratio
Current: 88.26% · Tier avg: 85.47%
55
55th pctile
Efficiency Ratio
Current: 56.12% · Tier avg: 56.60%
64
64th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.96%
79
79th pctile
Total Assets
Current: $15.1B · Tier avg: $10.5B
85
85th pctile
Total Loans
Current: $12.2B · Tier avg: $7.1B
86
86th pctile
Total Deposits
Current: $13.8B · Tier avg: $8.5B