Live Oak Bancshares, Inc.

Live Oak Bancshares, Inc. is a bank holding company incorporated in North Carolina that operates through its subsidiary, Live Oak Banking Company. The company provides a range of deposit products including noninterest-bearing demand deposits and interest-bearing checking, money market, savings, and time deposit accounts. On the lending side, Live Oak originates commercial and industrial loans, construction and development loans, owner-occupied and non-owner-occupied commercial real estate loans, and commercial land loans to businesses across the United States.

The company operates through two business segments: Banking and Fintech. The Banking segment encompasses its core lending and deposit operations. The Fintech segment includes settlement, accounting, and securitization services for government-guaranteed loans, as well as financing for renewable energy applications. Additionally, Live Oak provides wealth and investment management services to high-net-worth individuals and families, and offers investment advisory services to venture capital funds focused on financial technology companies.

Headquartered in Wilmington, North Carolina, Live Oak Bancshares is publicly traded on the NYSE. The company operates as a regional bank with a national origination footprint, serving clients across multiple states through its lending and advisory operations.