Live Oak Bancshares (LOB) Provision for Credit Losses (2014 - 2026)
Live Oak Bancshares (LOB) reported Provision for Credit Losses of $25.8 million for Q2 2026, up 9.8% from $23.49 million a year earlier and up 28.4% from the prior quarter.
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Analysis
Live Oak Bancshares (LOB) Provision for Credit Losses (2014 - 2026) Analysis & Trends
Over the twelve months ended Jun 30, 2026, Live Oak Bancshares' Provision for Credit Losses came in at $88.45 million, down 26.2% year-over-year; for FY2025, it came in at $96.3 million, up 0.1% from FY2024.
- Provision for Credit Losses has increased for four consecutive years, with a five-year compound annual growth rate of 18.8% (FY2020 to FY2025).
- By year, Provision for Credit Losses came in at $96.21 million in FY2024 (+87.5%), $51.32 million in FY2023 (+25.4%), $40.94 million in FY2022 (+169.2%) and $15.21 million in FY2021 (-62.6%).
- The Q2 2026 figure ranks as the highest quarterly Provision for Credit Losses since Q1 2025.
- Year over year, Provision for Credit Losses gained in five of the last eight quarters, with growth averaging 72.5%.
- The high point for year-over-year Provision for Credit Losses in five years was Q1 2023 (growth of 936.0%); the low point was Q3 2021 (a decline of 58.0%).
- Per Business Quant data, the three quarters before Q2 2026 came in at $20.1 million (Q1 2026), $20.3 million (Q4 2025) and $22.24 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 2.74 Bn |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | 838.45 Bn |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 1.24 Bn |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 103.00 Mn |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 717.20 Mn |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 368.00 Mn |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | - |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 1.03 Bn |
| 10 | Live Oak Bancshares | 1.63 Bn | 1.51 Bn | - | 54.70 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 54.70 Mn |
| Jun 30, 2026 | 25.80 Mn |
| Mar 31, 2026 | 20.10 Mn |
| Dec 31, 2025 | 20.30 Mn |
| Sep 30, 2025 | 22.24 Mn |
| Jun 30, 2025 | 23.49 Mn |
| Mar 31, 2025 | 29.44 Mn |
| Dec 31, 2024 | 32.35 Mn |
| Sep 30, 2024 | 34.50 Mn |
| Jun 30, 2024 | 11.77 Mn |
| Mar 31, 2024 | 16.36 Mn |
| Dec 31, 2023 | 9.00 Mn |
| Sep 30, 2023 | 10.28 Mn |
| Jun 30, 2023 | 13.03 Mn |
| Mar 31, 2023 | 19.02 Mn |
| Dec 31, 2022 | 19.67 Mn |
| Sep 30, 2022 | 14.17 Mn |
| Jun 30, 2022 | 5.27 Mn |
| Mar 31, 2022 | 1.84 Mn |
| Dec 31, 2021 | 3.92 Mn |
API Access
Live Oak Bancshares Provision for Credit Losses 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=provision-for-credit-losses&ticker=LOB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-credit-losses", "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=provision-for-credit-losses&ticker=LOB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();