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LOB (Live Oak Bancshares) Liabilities-to-Assets : 0.92 (As of Dec. 2024)


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What is Live Oak Bancshares Liabilities-to-Assets?

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Live Oak Bancshares's Total Liabilities for the quarter that ended in Dec. 2024 was $11,939.9 Mil. Live Oak Bancshares's Total Assets for the quarter that ended in Dec. 2024 was $12,943.4 Mil. Therefore, Live Oak Bancshares's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2024 was 0.92.


Live Oak Bancshares Liabilities-to-Assets Historical Data

The historical data trend for Live Oak Bancshares's Liabilities-to-Assets can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Live Oak Bancshares Liabilities-to-Assets Chart

Live Oak Bancshares Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Liabilities-to-Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.93 0.91 0.92 0.92 0.92

Live Oak Bancshares Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Liabilities-to-Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.92 0.92 0.92 0.92 0.92

Competitive Comparison of Live Oak Bancshares's Liabilities-to-Assets

For the Banks - Regional subindustry, Live Oak Bancshares's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Live Oak Bancshares's Liabilities-to-Assets Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Live Oak Bancshares's Liabilities-to-Assets distribution charts can be found below:

* The bar in red indicates where Live Oak Bancshares's Liabilities-to-Assets falls into.


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Live Oak Bancshares Liabilities-to-Assets Calculation

Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.

Live Oak Bancshares's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2024 is calculated as:

Liabilities-to-Assets (A: Dec. 2024 )=Total Liabilities/Total Assets
=11939.884/12943.38
=0.92

Live Oak Bancshares's Liabilities-to-Assets Ratio for the quarter that ended in Dec. 2024 is calculated as

Liabilities-to-Assets (Q: Dec. 2024 )=Total Liabilities/Total Assets
=11939.884/12943.38
=0.92

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Live Oak Bancshares  (NYSE:LOB) Liabilities-to-Assets Explanation

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.


Live Oak Bancshares Liabilities-to-Assets Related Terms

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Live Oak Bancshares Business Description

Traded in Other Exchanges
N/A
Address
1741 Tiburon Drive, Wilmington, NC, USA, 28403
Live Oak Bancshares Inc operates as the bank holding company for the Live Oak Banking Company. The company specializes in lending and deposit-related services to small businesses nationwide. The company identifies and extends lending to credit-worthy borrowers both within specific industries, also called verticals, through expertise within those industries, and more broadly to select borrowers outside of those industries. A portion of the loans originated by the Bank are partially guaranteed by the Small Business Administration under the 7(a) Loan Program and the U.S. Department of Agriculture Rural Energy for America Program, Water and Environmental Program, Business and Industry and Community Facilities loan programs.
Executives
John W. Sutherland officer: Chief Accounting Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Gregory W Seward officer: General Counsel 1741 TIBURON DRIVE, WILMINGTON NC 28403
William Henderson Cameron director POST OFFICE BOX 3649, WILMINGTON NC 28406
Tonya Williams Bradford director C/O LIVE OAK BANCSHARES, INC., 1741 TIBURON DRIVE, WILMINGTON NC 28403
Micah S Davis officer: Chief Marketing & Comm Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Miltom Emmett Petty director 1741 TIBURON DRIVE, WILMINTON NC 28403
Steve Smits officer: Chief Credit Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Renato Derraik officer: Chief Info. & Digital Officer C/O LIVE OAK BANCSHARES, INC., 1741 TIBURON DRIVE, WILMINGTON NC 28403
David G Lucht director II CASCADE PLAZA, AKRON OH 44308
Yousef A. Valine director 165 MADISON AVENUE, MEMPHIS TN 38103
Diane Beth Glossman director 2820 RIVER ROAD, NEW HOPE PA 18938
Casey S Crawford director 1741 TIBURON DRIVE, WILMINGTON NC 28403
Stephanie Mann officer: Chief Strategy Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Spencer Courtney officer: Chief Experience Officer 1741 TIBURON DRIVE, WILMINGTON NC 28403
Losch William C Iii officer: Chief Financial Officer 165 MADISON AVENUE, MEMPHIS TN 38103