Bank · FDIC insured
Live Oak Bank
Top CarrotA $16B bank, the 124th largest of 4,207, headquartered in Wilmington, NC, with 1 branch in North Carolina. It opens accounts online nationwide. Best rates: CDs 4.40% and savings 4.00% APY.
Live Oak Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#7 of 19 nationwide online banksHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Live Oak Bank
Founded in 2008, Live Oak Bank is a digitally focused subsidiary of Live Oak Bancshares, Inc. (NYSE: LOB).
America's Premier SBA Lender, the bank specializes in over 30 different industries.
- Headquarters
- 1757 Tiburon Dr, Wilmington, NC 28403
- FDIC certificate
- 58665 ↗
Branches
1 branch in North Carolina
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North Carolina
1 branch
- Live Oak Banking CompanyMain office1757 Tiburon Dr, Wilmington, NC 28403Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.99% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 4.01% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.96% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $90 | $85 | — |
- CapitalLeverage ratio7.99%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent4.01%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.96%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$90Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Live Oak Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.