Live Oak Bancshares, Inc. Asset Resilience Ratio

Latest as of June 2026: 9.48%

Live Oak Bancshares, Inc. asset resilience ratio. Live Oak Bancshares, Inc. (LOB) has an Asset Resilience Ratio of 9.48% as of June 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See Live Oak Bancshares, Inc. liquidity coverage in days to measure how many days the company can operate on defensive assets alone.

Liquid Assets

$1.52 Billion

Cash + Short-term Investments

Total Assets

$16.04 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio of Live Oak Bancshares, Inc. (2011–2025)

Asset resilience ratio of Live Oak Bancshares, Inc. from 2011 to 2025. This chart shows how Live Oak Bancshares, Inc.'s Asset Resilience Ratio has changed over time. Read Live Oak Bancshares, Inc. debt and liabilities for a breakdown of total debt and financial obligations.

Liquid Assets Composition Over Time

This chart breaks down Live Oak Bancshares, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see LOB total asset value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$1.52 Billion	9.48%
Total Liquid Assets	$1.52 Billion	9.48%

Asset Resilience Insights

Limited Liquidity: Live Oak Bancshares, Inc. maintains only 9.48% of assets in liquid form.
This low level may indicate efficient asset utilization but could pose risks during economic downturns.
The company has significant short-term investments, indicating active treasury management.

Live Oak Bancshares, Inc. Industry Peers by Asset Resilience Ratio

Compare Live Oak Bancshares, Inc.'s asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Societe Generale S.A. PA:GLE	Banks - Regional	11.25%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
WOORI FIN. GRP SP.ADR/3 F:2WGA	Banks - Regional	13.88%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
Graubuendner Kantonalbank SW:GRKP	Banks - Regional	-38.39%
Jeju Bank KO:006220	Banks - Regional	2.45%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%

Live Oak Bancshares, Inc. Asset Resilience Ratio by Year (2011–2025)

Live Oak Bancshares, Inc. asset resilience ratio by year from 2011 to 2025. The table below shows the annual Asset Resilience Ratio data for Live Oak Bancshares, Inc..

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	5.69%	$861.60 Million	$15.13 Billion	+5.50pp
2024-12-31	0.20%	$25.34 Million	$12.94 Billion	-9.80pp
2023-12-31	9.99%	$1.13 Billion	$11.27 Billion	-0.30pp
2022-12-31	10.30%	$1.01 Billion	$9.86 Billion	-0.74pp
2021-12-31	11.03%	$906.05 Million	$8.21 Billion	+1.50pp
2020-12-31	9.53%	$750.10 Million	$7.87 Billion	-1.69pp
2019-12-31	11.22%	$540.04 Million	$4.81 Billion	+0.85pp
2018-12-31	10.37%	$380.49 Million	$3.67 Billion	+6.98pp
2017-12-31	3.38%	$93.36 Million	$2.76 Billion	-0.66pp
2016-12-31	4.05%	$71.06 Million	$1.76 Billion	-1.06pp
2015-12-31	5.11%	$53.76 Million	$1.05 Billion	-2.22pp
2014-12-31	7.32%	$49.32 Million	$673.32 Million	+2.81pp
2013-12-31	4.52%	$19.45 Million	$430.36 Million	+0.02pp
2012-12-31	4.50%	$15.42 Million	$342.47 Million	-1.83pp
2011-12-31	6.33%	$16.84 Million	$266.16 Million	--

pp = percentage points

About Live Oak Bancshares, Inc.

NYSE:LOB USA Banks - Regional

Market Cap

$1.62 Billion

Market Cap Rank

#6677 Global

#2112 in USA

Share Price

$35.07

Change (1 day)

+1.74%

52-Week Range

$29.41 - $43.76

All Time High

$96.85