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Live Oak Bancshares LOB Noninterest-bearing deposits

Noninterest-bearing deposits at other companies

Bank of America logo
Bank of AmericaBAC
$532.05B+1.6%
Wells Fargo & Company logo
Wells Fargo & CompanyWFC
$365.71B-3.1%
OFG Bancorp logo
OFG BancorpOFG
$2.72B+4.6%
National Bank Holdings logo
National Bank HoldingsNBHC
$2.57B+16.2%
ServisFirst Bancshares logo
ServisFirst BancsharesSFBS
$2.84B+7.1%
JPMorgan Chase logo
JPMorgan ChaseJPM

Other financials

Income statement

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Revenue$145.5M+18.4%
Net income$30.0M+209%
EPS (diluted)$0.60+186%

Balance sheet

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Cash & equivalents$816.1M+9.7%
Total debt$99.7M-9.5%
Total equity$1.3B+24.4%
Total assets$15.3B+12.5%

Cash flow

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Operating cash flow$87.4M+394%
CapEx$2.0M-10.8%
Free cash flow$85.3M+366%

Valuation

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Market cap$1.86B+25.8%

Profitability

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Net margin21.1%+9.1pp
FCF margin43.7%+30.2pp

Returns & leverage

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Return on equity11%+4.9pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by Live Oak Bancshares in its filing.

Tagged under the XBRL concept us-gaap:NoninterestBearingDepositLiabilities.

The official record: Live Oak Bancshares’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Live Oak Bancshares's noninterest-bearing deposits?
Live Oak Bancshares (LOB) reported noninterest-bearing deposits of $510.92M in Q1 2026.
How has Live Oak Bancshares's noninterest-bearing deposits changed year-over-year?
Live Oak Bancshares's noninterest-bearing deposits increased by 32.3% year-over-year, from $386.11M to $510.92M.
What is the long-term trend for Live Oak Bancshares's noninterest-bearing deposits?
Over 5 years (2020 to 2025), Live Oak Bancshares's noninterest-bearing deposits has grown at a 46.9% compound annual growth rate (CAGR), from $75.29M to $515.05M.
What does noninterest-bearing deposits mean?
These are demand deposit accounts that do not require the bank to pay interest to the depositor. They represent a low-cost source of funding that enhances the bank's net interest margin. A higher proportion of these deposits is generally viewed as a competitive advantage, reflecting strong customer relationships and operational efficiency.