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Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
9th percentile; peer median 2.9%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 21, 2026
Call-report figures are for Live Oak Banking Company at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 95 banks with $10B to $50B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Live Oak Banking Company's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.3% of revenue, below the 2.9% median of 95 banks with $10B to $50B in assets (9th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $493K in Q2 2026, 38% above the same quarter a year earlier ($356K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Live Oak Banking Company · $16B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Live Oak Banking Company(this institution) | Wilmington, NC | $16B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| BancFirst | Oklahoma City, OK | $12.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Bank of America California, National Association | San Francisco, CA | $14.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank of Hope | Los Angeles, CA | $19B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Banner Bank | Walla Walla, WA | $16.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bell Bank | Fargo, ND | $15.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Busey Bank | Champaign, IL | $18.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Community Bank, National Association | Canton, NY | $17.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| ConnectOne Bank | Englewood Cliffs, NJ | $14.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dime Community Bank | Hauppauge, NY | $15B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Enterprise Bank & Trust | Clayton, MO | $17.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Bank | Southern Pines, NC | $13B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Financial Bank | Abilene, TX | $15.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First United Bank and Trust Company | Durant, OK | $16.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank | Nashville, TN | $16.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| FirstBank Puerto Rico | Santurce, PR | $19.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Israel Discount Bank of New York | New York, NY | $14.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| NBT Bank, National Association | Norwich, NY | $16.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Nicolet National Bank | Green Bay, WI | $15.4B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Bank | Warren, PA | $17.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Popular Bank | New York, NY | $15B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| ServisFirst Bank | Birmingham, AL | $18.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Stifel Bank | Saint Louis, MO | $14.6B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Third Federal Savings and Loan Association of Cleveland | Cleveland, OH | $18.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Toyota Financial Savings Bank | Henderson, NV | $16.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Trustmark Bank | Jackson, MS | $19.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Live Oak Banking Company does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Live Oak Banking Company (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $493K | +$111K | +29.1% |
| Q1 2026 | $382K | +$7K | +1.9% |
| Q4 2025 | $375K | +$33K | +9.6% |
| Q3 2025 | $342K | −$14K | −3.9% |
| Q2 2025 | $356K | +$63K | +21.5% |
| Q1 2025 | $293K | +$34K | +13.1% |
| Q4 2024 | $259K | −$8K | −3.0% |
| Q3 2024 | $267K | +$91K | +51.7% |
Financial cohort: 111 banks with $10B to $50B in assets filing for Q2 2026; 95 reported a share above 0% and are counted, Live Oak Banking Company left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Live Oak Banking Company by share.
They stay out of every comparison until review is done.
| Fee | Amount | Basis | Note |
|---|---|---|---|
ATM & Card | |||
| Foreign Transaction Fee | 3%of the transaction | Not stated | None |
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSF | |||
| Overdraft Fee | $25 | Not stated | None |
ATM & Card | |||
| Expedited Debit Card | $25 | Not stated | None |
| Foreign Transaction Fee | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Standard Wire | $19 | Not stated | None |
| Incoming Wire | $10 | Not stated | None |
| Outgoing International Standard Wire | $40 | Not stated | None |
Check Services | |||
| Cashier's Check | $10 | Not stated | None |
| Stop Payment Fee | $25 | Not stated | None |
| Stop Payment Fee- Online | $10 | Not stated | None |
Digital & Electronic | |||
| Expedited Bill Pay Fee | $10 | Not stated | None |
| Expedited Bill Pay Fee- Economy | $6.95 | Not stated | None |
Cash & Deposit | |||
| Returned Item Fee | $5 | Not stated | None |
| Returned Item Fee | $10 | Not stated | None |
Oct 21, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Live Oak Banking Company operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $14.7B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $14.7B |
Wilmington, NC
53.1% of bank deposits, #1 of 24, up 10.1 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Truist Bank | 16% |
| First-Citizens Bank & Trust Company | 6.5% |
| Wells Fargo Bank, National Association | 4.8% |
| Bank of America, National Association | 3.7% |
| First Bank | 3.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Wilmington, NC, Live Oak Banking Company holds 53.1% of bank deposits, #1 of 24, with 1 office.
114 offices of 32 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 24 institutions shown. $27.7B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 53.1% share, 1 office, #1 of 24
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
25 offices of 8 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Consumer complaints
13 complaints to the CFPB so far in 2026
Top issues, 2026 to date
| Managing an account | 6 |
| Opening an account | 3 |
| Other transaction problem | 2 |
| Closing an account | 1 |
| Problem caused by your funds being low | 1 |
Source: CFPB Consumer Complaint Database, by year received; the current year counts complaints received so far. Complaints are filed against the parent company and are not verified findings.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Holding company
Live Oak Bancshares, Inc. (NYSE: LOB)
Consolidated assets
$16.0B
Shareholders' equity
$1.3B
As of
2026Q2
Net income by quarter
Source: SEC EDGAR filings and XBRL financial data, CIK 1462120. Holding-company figures include every subsidiary and are not comparable to the bank-level call reports above.
Fee change alerts
We check once a day and send one email covering every change.