Risk factors
Live Oak Bancshares (LOB) risk factors
Item 1A of every Live Oak Bancshares, Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors47 risks4 new1 dropped8 reworded
Asset growth past $15 billion increases regulatory exposure, while accounting restatements and material weaknesses signal severe reporting controls challenges.
Filed Feb 27, 2026 - FY2024 10-K risk factors44 risks
LOB's risk profile is dominated by asset quality, dependence on SBA lending, and valuation risks in investments.
Filed Mar 18, 2025