Live Oak Bancshares (LOB) Provision for Losses (2014 - 2026)
Live Oak Bancshares' Provision for Losses came in at $25.8 million for Q2 2026, up 11.0% from $23.25 million a year earlier and up 28.4% from the prior quarter.
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Analysis
Live Oak Bancshares (LOB) Provision for Losses (2014 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, Live Oak Bancshares reported Provision for Losses of $89.99 million, down 25.2% year-over-year; for FY2025, it came in at $96.3 million, up 0.1% from FY2024.
- Provision for Losses has increased in each of the last four years, with a five-year compound annual growth rate of 18.8% (FY2020 to FY2025).
- Going back by year, Provision for Losses was $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 represents the highest quarterly Provision for Losses since Q1 2025.
- Year-over-year, Provision for Losses increased in five of the last eight quarters, with growth averaging 74.2%.
- The fastest year-over-year change in Provision for Losses over five years came in Q1 2023 (growth of 936.0%), and the weakest in Q3 2021 (a decline of 58.0%).
- Business Quant data shows LOB's Provision for Losses at $20.1 million (Q1 2026), $21.85 million (Q4 2025) and $22.24 million (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provision for Losses (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 2.74 Bn |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 1.30 Bn |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | - |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | - |
| 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 | 21.85 Mn |
| Sep 30, 2025 | 22.24 Mn |
| Jun 30, 2025 | 23.25 Mn |
| Mar 31, 2025 | 28.96 Mn |
| Dec 31, 2024 | 33.58 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 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-losses&ticker=LOB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-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-losses&ticker=LOB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();