NC lenders / Regional Bank
Live Oak Banking Company
Regional Bank · Wilmington, NC · Live Oak Bancshares Inc
- Total assets
- $15.2B
- CRE loan book
- $5.8B
- QoQ CRE growth
- 1.2%
- Q1 2026
Observed rates
Real loans — SBA 7(a)
141 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 8.75% (140 variable / 1 fixed) · $213.2M total approved.
Borrower cities: Houston (11), Austin (7), San Antonio (7), Frisco (5), Plano (5), Dallas (4).
Source: SBA 7(a) FOIA dataset · most recent approval Mar 31, 2026. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.70% as of Q1 2026 — TX bank median 4.87% (1.84pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.70% | 6.86% |
| Q4 2025 | 7.02% | 7.20% |
| Q3 2025 | 7.11% | 7.27% |
| Q2 2025 | 7.16% | 7.29% |
| Q1 2025 | 6.93% | 7.23% |
| Q4 2024 | 7.22% | 7.50% |
| Q3 2024 | 7.43% | 7.79% |
| Q2 2024 | 7.40% | 7.75% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $5.8B | $915.1M | $26.1M | 224% | $215.8M |
| Q4 2025 | $5.8B | $976.8M | $19.4M | 240% | $195.7M |
| Q3 2025 | $5.5B | $808.2M | $21.5M | 231% | $163.3M |
| Q2 2025 | $5.3B | $870.9M | $8.9M | 226% | $136.2M |
| Q1 2025 | $5.0B | $798.5M | $8.9M | 213% | $150.6M |
| Q4 2024 | $4.7B | $740.2M | $8.9M | 202% | $137.8M |
| Q3 2024 | $4.5B | $625.6M | $8.4M | 191% | $107.5M |
| Q2 2024 | $4.2B | $600.4M | $8.2M | 175% | $90.1M |
Signals
Recent news
- Live Oak Bancshares Stock And 2 US Regional Banks For Higher Cash Yields - simplywall.st — Coverage of Live Oak Banking Company related to commercial real estate and lending reported by simplywall.st.Aug 20, 2026
- Live Oak Bancshares : Quarterly Report for Quarter Ending June 30, 2026 (Form 10-Q) - marketscreener.com — Coverage of Live Oak Banking Company related to commercial real estate and lending reported by marketscreener.com.Aug 4, 2026
- Live Oak Bancshares (NYSE: LOB) posts higher Q2 2026 earnings - Stock Titan — Coverage of Live Oak Banking Company related to earnings reported by stocktitan.net.Aug 4, 2026
- What Makes Live Oak Bancshares (NYSE:LOB) Stand Out Today? - Kalkine Media — Coverage of Live Oak Banking Company related to commercial real estate and lending reported by kalkinemedia.com.Aug 4, 2026
- Live Oak Bancshares (LOB) Chief Banking Officer Mark Moroz Sells 6,100 Shares - GuruFocus — Coverage of Live Oak Banking Company related to commercial real estate and lending reported by gurufocus.com.Jul 30, 2026
- Live Oak Bank Reviews and Ratings - INQUIRER.net USA — Coverage of Live Oak Banking Company related to commercial real estate and lending reported by usa.inquirer.net.May 23, 2026
Similar lenders
Other regional banks we track with a comparable CRE book size.
- First United Bank and Trust CompanyRegional Bank · Durant · $5.8B CRE book
- Axos BankRegional Bank · San Diego · $5.9B CRE book
- Optum Bank, Inc.Regional Bank · Draper · $6.0B CRE book
- Enterprise Bank & TrustRegional Bank · Clayton · $6.1B CRE book
- First BankRegional Bank · Southern Pines · $5.6B CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.