Live Oak Banking Company is a bank based in Wilmington, North Carolina, established in 2008, with $15.2 billion in total assets across 1 branch. By Trust Grade it ranks 30th of 38 banks we track in North Carolina. Its capital ratio of 7.7% trails most similarly sized banks (10th percentile), versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 0.89% return on assets. No consumer complaints against Live Oak Banking Company appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Live Oak Banking Company compares to North Carolina peers
How we graded Live Oak Banking Company
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.7% capital ratio)
- Profitable (ROA 0.89%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Live Oak Banking Company over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 1757 Tiburon Dr, Wilmington, NC 28403
Are deposits at Live Oak Banking Company insured?
Yes. Live Oak Banking Company is an FDIC-insured bank (FDIC certificate #58665). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Live Oak Banking Company: frequently asked questions
Is Live Oak Banking Company a good bank?
Live Oak Banking Company earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (7.7% capital ratio); Profitable (ROA 0.89%).
Is Live Oak Banking Company FDIC-insured?
Yes. Live Oak Banking Company is a FDIC-insured bank (FDIC certificate #58665). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Live Oak Banking Company?
Live Oak Banking Company holds $15.2 billion in total assets, ranking 30th of 38 banks we track in North Carolina. It operates 1 branch.
Does Live Oak Banking Company have CFPB complaints?
No CFPB complaints against Live Oak Banking Company appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
