Live Oak Bancshares, Inc. (LOB) - Total Liabilities

Latest as of December 2025: $13.88 Billion USD

Based on the latest financial reports, Live Oak Bancshares, Inc. (LOB) has total liabilities worth $13.88 Billion USD as of December 2025. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Explore Live Oak Bancshares, Inc. operating cash flow efficiency to assess how effectively this company generates cash.

Live Oak Bancshares, Inc. - Total Liabilities Trend (2011–2025)

This chart illustrates how Live Oak Bancshares, Inc.'s total liabilities have evolved over time, based on quarterly financial data. Check Live Oak Bancshares, Inc. (LOB) asset resilience to evaluate the company's liquid asset resilience ratio.

Live Oak Bancshares, Inc. Competitors by Total Liabilities

The table below lists competitors of Live Oak Bancshares, Inc. ranked by their total liabilities.

Company	Country	Total Liabilities
Minera Valparaiso S.A. SN:MINERA	Chile	CL$4.24 Billion
Tien Phong Commercial Joint Stock Bank VN:TPB	Vietnam	₫459.85 Trillion
Argan SA PA:ARG	France	€1.97 Billion
AG Anadolu Group Holding IS:AGHOL	Turkey	TL348.37 Billion
Kemper Corporation NYSE:KMPR	USA	$9.80 Billion
Companhia Siderurgica Nacional ADR NYSE:SID	USA	$15.67 Billion
Eramet SA PA:ERA	France	€4.39 Billion
Sunwave Communications Co Ltd SHE:002115	China	CN¥1.70 Billion

Liability Composition Analysis (2011–2025)

This chart breaks down Live Oak Bancshares, Inc.'s total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. For the full company profile including market capitalisation, see Live Oak Bancshares, Inc. market capitalisation.

Liquidity & Leverage Metrics

Key Metrics Explained

Metric	Value	Description
Current Ratio	N/A	Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities)
Quick Ratio	N/A	More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities)
Cash Ratio	N/A	Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities)
Debt to Equity	11.11	Measures financial leverage (Total Liabilities ÷ Shareholder Equity)
Debt to Assets	0.92	Portion of assets financed with debt (Total Liabilities ÷ Total Assets)

Liability Trends Comparison

This chart compares key liability metrics across different time periods, showing how Live Oak Bancshares, Inc.'s debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.

Annual Total Liabilities for Live Oak Bancshares, Inc. (2011–2025)

The table below shows the annual total liabilities of Live Oak Bancshares, Inc. from 2011 to 2025.

Year	Total Liabilities	Change
2025-12-31	$13.88 Billion	+16.25%
2024-12-31	$11.94 Billion	+11.75%
2023-12-31	$10.68 Billion	+18.14%
2022-12-31	$9.04 Billion	+20.62%
2021-12-31	$7.50 Billion	+2.65%
2020-12-31	$7.30 Billion	+70.16%
2019-12-31	$4.29 Billion	+35.12%
2018-12-31	$3.18 Billion	+36.84%
2017-12-31	$2.32 Billion	+51.50%
2016-12-31	$1.53 Billion	+79.62%
2015-12-31	$853.13 Million	+46.71%
2014-12-31	$581.50 Million	+52.24%
2013-12-31	$381.96 Million	+22.93%
2012-12-31	$310.71 Million	+30.24%
2011-12-31	$238.57 Million	--

About Live Oak Bancshares, Inc.

NYSE:LOB USA Banks - Regional

Market Cap

$1.71 Billion

Market Cap Rank

#6840 Global

#2007 in USA

Share Price

$37.17

Change (1 day)

-1.14%

52-Week Range

$25.72 - $41.75

All Time High

$96.85