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Live Oak Banking Company


Live Oak Banking Company is an FDIC insured institution headquartered at 1757 Tiburon Dr, Wilmington, NC 28403.
It was founded in 2008 and has approximately $15 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - February 09, 2026

SAVINGS RATES APY MIN
SAV
3.90% $0 Compare
CD RATES APY MIN
3 Mo CD
3.00% $2,500 Compare
6 Mo CD
3.80% $2,500 Compare
9 Mo CD
3.70% $2,500 Compare
12 Mo CD
4.00% $2,500 Compare
18 Mo CD
3.80% $2,500 Compare
24 Mo CD
2.00% $2,500 Compare
36 Mo CD
2.00% $2,500 Compare
48 Mo CD
2.00% $2,500 Compare
60 Mo CD
2.00% $2,500 Compare




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58665
Date Established 2008
Assets $ 14.58 billion
Loans $ 11.73 billion
Deposits $ 13.43 billion
Capital $ 1,083.48 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 889.81 million
Interest-bearing balances $ 875.49 million
Total securities $ 1,373.40 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 11.73 billion
Loan loss allowance $ 185.70 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 11.02 million
Goodwill and other intangibles $ 65.61 million
All other assets $ 311.35 million
     Total Assets $ 13.50 billion

LIABILITIES
Total deposits $ 13.43 billion
      Interest-bearing deposits $ 12.80 billion
      Deposits held in domestic offices $ 13.43 billion
      % insured (estimated)" 83.72%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 48.20 million
Subordinated debt N.A.
All other liabilities $ 77.18 millionn
      Total Liabilities $ 13.50 billion
      Shareholders’ Equity $ 1,083.48 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 668.21 million
Total Interest Expense $ 338.54 million
Net interest income $ 329.67 million
Provision for loan and lease losses $ 74.46 million
Total non interest income $ 84.40 million
Total non interest expense $ 246.89 million
Pre-tax Net Operating Income $ 47.35 million

Customer Reviews for Live Oak Banking Company (1)

Rated 1.00 stars out of 5 - based on 1 reviews

  • Opened for the higher rate, and the rate has stayed competitive even as rates have fallen across the board at all of these places so I cannot complain. But, what I will complain about are all of these constant emails the last two months about changes to the website, changes to my account, changes to the routing numbers, etc. It is really annoying and longwinded stuff, and the emails are the kind of emails that smell of something a senior partner in a law firm would send to a junior associate about their fax machine not working. Just not cool.

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Branches

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Your current location is: Seattle, WA

Live Oak Banking Company Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Live Oak Banking Company
    Bank
    -
    $50,000
    N.A.
    3.90%
    17.33x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    3.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,950 1,365
    2 51,950 2,026 1,418
    3 53,976 2,105 1,474
    4 56,081 2,187 1,531
    5 58,268 2,272 1,591
    6 60,541 2,361 1,653
    7 62,902 2,453 1,717
    8 65,355 2,549 1,784
    9 67,904 2,648 1,854
    10 70,552 2,752 1,926
    11 73,304 2,859 2,001
    12 76,162 2,970 2,079
    13 79,133 3,086 2,160
    14 82,219 3,207 2,245
    15 85,426 3,332 2,332
    16 88,757 3,462 2,423
    17 92,219 3,597 2,518
    18 95,815 3,737 2,616
    19 99,552 3,883 2,718
    20 103,434 4,034 2,824
    TOTAL $57,468 $40,228
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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