🏦Bank Scorer

LIVE OAK BANKING COMPANY

WILMINGTON, NC · Supervised by FDIC

Est. 2008FDIC #58,665RSSD: FDIC-58665
Part ofLIVE OAK BANCSHARES INC→ View all charters
Satisfactory Down

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.89%

Institution Profile

FDIC BankFind

Address

1757 Tiburon Dr, WILMINGTON, NC

County

New Hanover County

Established

May 12, 2008

Total Assets

$15.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2025

Exam Type

Strategic Plan

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Sep 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$15.2B

Total Deposits

$14.0B

Net Loans

$12.4B

Net Income

$34M

ROA

0.89%

ROE

11.66%

Risk-Based Capital

11.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$12.6B

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

5 previous ratings locked — dating back to 2011

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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