Live Oak Bancshares (LOB) Interest Expense - Deposits (2014 - 2026)
Live Oak Bancshares (LOB) recorded Interest Expense - Deposits of $124.85 million in Q3 2026, up 9.3% from $114.27 million a year earlier and up 8.8% from the prior quarter.
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Analysis
Live Oak Bancshares (LOB) Interest Expense - Deposits (2014 - 2026) Analysis & Trends
On a TTM basis, Live Oak Bancshares' Interest Expense - Deposits came in at $467.35 million as of Sep 30, 2026, up 3.4% year-over-year; for FY2025, it came in at $453.41 million, up 5.2% from FY2024.
- Annual Interest Expense - Deposits has increased for four straight years, with a five-year compound annual growth rate of 38.3% (FY2020 to FY2025).
- Across earlier years, Interest Expense - Deposits came in at $430.89 million in FY2024 (+26.7%), $340.21 million in FY2023 (+195.7%), $115.04 million in FY2022 (+92.6%) and $59.74 million in FY2021 (-33.4%).
- The Q3 2026 figure is the highest quarterly Interest Expense - Deposits in data going back to Q2 2014.
- On a year-over-year basis, Interest Expense - Deposits has increased for 18 consecutive quarters, with growth averaging 6.4% over the last eight quarters.
- Peak year-over-year performance for Interest Expense - Deposits in the last five years was growth of 371.1% in Q1 2023, against a decline of 28.0% in Q4 2021 at the low end.
- Per Business Quant, the preceding three quarters came in at $114.78 million (Q2 2026), $112.85 million (Q1 2026) and $114.88 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Deposits (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 11.40 Bn |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 7.61 Bn |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 3.09 Bn |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 7.85 Bn |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 5.09 Bn |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 5.85 Bn |
| 10 | Live Oak Bancshares | 1.63 Bn | 1.51 Bn | - | 124.85 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 124.85 Mn |
| Jun 30, 2026 | 114.78 Mn |
| Mar 31, 2026 | 112.85 Mn |
| Dec 31, 2025 | 114.88 Mn |
| Sep 30, 2025 | 114.27 Mn |
| Jun 30, 2025 | 113.38 Mn |
| Mar 31, 2025 | 110.89 Mn |
| Dec 31, 2024 | 113.36 Mn |
| Sep 30, 2024 | 110.17 Mn |
| Jun 30, 2024 | 105.36 Mn |
| Mar 31, 2024 | 102.00 Mn |
| Dec 31, 2023 | 96.70 Mn |
| Sep 30, 2023 | 90.91 Mn |
| Jun 30, 2023 | 85.00 Mn |
| Mar 31, 2023 | 67.60 Mn |
| Dec 31, 2022 | 50.36 Mn |
| Sep 30, 2022 | 31.55 Mn |
| Jun 30, 2022 | 18.78 Mn |
| Mar 31, 2022 | 14.35 Mn |
| Dec 31, 2021 | 13.82 Mn |
API Access
Live Oak Bancshares Interest Expense - Deposits API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-expense-deposits&ticker=LOB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expense-deposits", "ticker": "LOB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-expense-deposits&ticker=LOB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();