How does Live Oak Bancshares compare with its peers on AI and technology?
On this site's AI disclosure index Live Oak scores 53.1 (#54 of 120 US banks), fifth in a nine-bank group of branchless and specialty lenders, behind Huntington (84.2), SoFi (80.4), Customers (75.5) and Axos (56.7) and ahead of ServisFirst (39.7) and The Bancorp (21.3). What sets it apart is that its AI is tied to a product with a volume target. Live Oak Express, its SBA 7(a) program for loans under $350,000, runs on Casca's AI origination platform; it originated $56 million in the first quarter of 2026 and $82 million in the second, and management targets at least $750 million a year. Huntington, the other Casca design partner, said in August 2025 it would deploy the software in 2026 with credit decisions kept with its loan officers. Customers Bank piloted closing selected commercial loans in seven days, down from 30 to 60. Inside the bank, Live Oak's staff had built more than 640 agents and skills by July 2026, and 150 'Claude super users' were testing Claude Enterprise. Customers reports more than 600 agents, and Axos says more than 500 team members use Claude Enterprise. Where Live Oak trails is disclosure. It reports no share of code written by AI, while Axos reports 90% of committed code and Customers about half. It names no AI chief and no AI budget beyond 'several million dollars' for the Casca platform. Its second-quarter 2026 technology expense was $9.6 million, down 4.5% on a year earlier, and its efficiency ratio was 54%.[1][2][3][4][5][6][7][8][9][10][11]
Data as of Oct 19, 2026 · Live Oak profile updated Oct 19, 2026 · computed tables recalculate from the 140 bank profiles on this site · Markdown
Where does Live Oak lead its peers on AI?
01
AI tied to a revenue line with a public target
Live Oak reports Live Oak Express originations each quarter: $56 million in Q1 2026 and $82 million in Q2 2026, up 63%, against a target of at least $750 million a year on an AI-native origination platform. ServisFirst's September 2026 Covecta deal names no use case, agent count or budget, and The Bancorp's first AI use case was a $300,000 project expected to avoid about $1.5 million of run-rate expense.[1][2][3][12][13]
02
Further along on Casca than Huntington, its co-investor
Both banks invested in Casca's $29 million Series A in August 2025 and served as design partners. By April 2026 Live Oak had been co-designing the platform since November 2025 and was using it on Live Oak Express loans, and by July 2026 the platform had closed loans in its pilot. Huntington had said in August 2025 that it would deploy the software in SBA 7(a) lending in 2026.[14][15][1][6][4]
03
Staff-built agents at the top of the group
Live Oak says employees had built more than 640 agents and skills across AI platforms by July 2026, up from over 300 in April, with AI tools for 100% of staff. Customers reports more than 600 agents including custom GPTs, and Huntington 50 agents in production and more than 60 in development (April 2026), though the banks count differently.[6][16][17][7][18]
04
A customer-service AI with a resolution metric
Glia named Live Oak a 2026 Catalyst Awards Pacesetter in October 2026, citing 93% first-contact resolution and more than double the volume of interactions handled entirely by AI. Customers announced ElevenLabs voice and chat agents for customer service and account opening in June 2026 but has not yet reported an outcome figure for them.[19][20]
Where does Live Oak trail its peers on AI?
01
Less on the record than Huntington, SoFi and Customers
Live Oak scores 53.1 on this site's index against Huntington's 84.2, SoFi's 80.4 and Customers' 75.5. It has 8 independent sources to Huntington's 19, and 6 use cases in production to Huntington's 15. Much of its AI record comes from its own earnings calls and filings.[6][21][18]
02
No share of AI-written code, while Axos and Customers report one
Live Oak says all its developers use Cursor (October 2025 and January 2026 calls) but has not said how much code AI writes. Axos reported that AI's share of committed code reached 90% in April 2026, and Customers' CEO told CNBC that AI writes about half the bank's code.[22][23][9][10]
03
No AI chief, team size or return target
Live Oak names no AI chief; President BJ Losch fronts the program and Chief Information and Digital Officer Renato Derraik runs technology. Huntington's CFO has set a 10-15% cost-reduction and 10-15% revenue target for targeted AI use cases, and Customers runs a 40-person AI mobilization team and targets a low-40s efficiency ratio in 2027.[21][24][25][7][26]
04
No consumer AI guide like SoFi Coach
Live Oak's AI in customer contact is Glia's service AI, and its personal banking side is a high-yield savings account. SoFi launched SoFi Coach, a chat-based financial guide, on June 2, 2026, and reports nearly 500,000 Coach conversations with over 90% positive feedback.[19][27][28][29][30]
Where does Live Oak rank against its peers on AI disclosure?
Scores from the US AI disclosure index of 120 banks (0–100; 45% of the weight on independent coverage). The index measures what each bank has put on the public record and what outside outlets have reported about its AI, not capability or spending; every count is of entries on that bank's profile, each of which cites its sources.
| Bank | Score | Rank | Independent sources | Own disclosures | Use cases in production | Moves, last 12 months | Named AI platform |
|---|---|---|---|---|---|---|---|
| Huntington Bancshares | 84.2 | #13 of 120 | 19 | 17 | 15 of 17 | 29 | Agentic process transformation, run from finance[18][25][31] |
| SoFi Technologies | 80.4 | #20 of 120 | 15 | 20 | 14 of 17 | 28 | SoFi Coach, Composer by SoFi and the Galileo / Technisys stack[32][28][33][34] |
| Customers Bancorp | 75.5 | #29 of 120 | 13 | 20 | 11 of 16 | 23 | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[35][36][37][5] |
| Axos Financial | 56.7 | #50 of 120 | 8 | 16 | 10 of 12 | 17 | Enterprise AI programme, OutSystems Agent Workbench and Arc[9][38][39][40] |
| Live Oak Bancshares (this page) | 53.1 | #54 of 120 | 10 | 15 | 6 of 10 | 16 | Casca AI loan origination (Live Oak Express)[14][4][1][3] |
| ServisFirst Bancshares | 39.7 | #72 of 120 | 7 | 13 | 4 of 6 | 17 | Covecta agentic AI[12][41] |
| Enterprise Financial Services Corp | 34.4 | #83 of 120 | 1 | 26 | 10 of 13 | 16 | Automation journey on the existing technology framework[42][43][44][45] |
| The Bancorp, Inc. | 21.3 | #96 of 120 | 5 | 6 | 4 of 10 | 15 | Not disclosed |
| Merchants Bancorp | 1.8 | #118 of 120 | 3 | 14 | 10 of 12 | 10 | Not disclosed |
On which parts of the AI record is Live Oak ahead of or behind its peers?
Each row is one input of the index, counted on the profiles of Live Oak and the 8 peers that are scored on the same basis. "Place" is Live Oak's position in the group of 9 (1st = most).
| Component (weight) | Live Oak | Peer median | Most in the group | Place |
|---|---|---|---|---|
| Independent sources (45%) | 10 | 7.5 | Huntington (19) | 4th of 9 |
| Use cases in production (10%) | 6 | 10 | Huntington (15) | 7th of 9 |
| Own primary disclosures (10%) | 15 | 16.5 | Enterprise Bank & Trust (26) | 6th of 9 |
| Dated moves, last 12 months (10%) | 16 | 17 | Huntington (29) | 6th of 9 |
| Disclosed numbers (5%) | 17 | 12.5 | Customers Bank (23) | 2nd of 9 |
| Named AI leaders (5%) | 8 | 6 | Huntington (14) | 4th of 9 |
| Use cases described (5%) | 10 | 12.5 | Huntington (17) | 7th of 9 |
What has each bank in Live Oak's peer group disclosed about its AI?
Facts from each bank's profile, cited to the profile's own sources. "Not disclosed" means the bank's public record, as cited on its profile, does not state it.
| Bank | Platform or assistant, as the profile names it | AI leaders named | Headline AI number disclosed | Patents on the record | Open AI roles |
|---|---|---|---|---|---|
| Live Oak Bancshares | Casca AI loan origination (Live Oak Express)[14][4][1][3] | 8, incl. James S. (Chip) Mahan III (Chairman and CEO)[14][46] | Employee-built AI agents: More than 300 (Apr 23, 2026)[16] | 2 patents listed on the profile, e.g. US 2025/0370791 A1 (Dynamic task generation engine)[47] | Not surveyed |
| Customers Bancorp | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network[35][36][37][5] | 7, incl. Sam Sidhu (President and CEO, Customers Bancorp)[36][5][48][49] | Hours saved by AI workflows (Q1 2026): 28,000 (≈ 15 FTE) (Apr 27, 2026)[36] | Not disclosed | 1 open AI roles (Sep 24, 2026); most in AI engineering |
| Axos Financial | Enterprise AI programme, OutSystems Agent Workbench and Arc[9][38][39][40] | 11, incl. Gregory Garrabrants (President and CEO)[50][9] | Share of committed code written by AI: 90% (Apr 30, 2026)[9] | 4 patents listed on the profile, e.g. US 2024/0098082 A1 (Further continuation of the online authentication family)[51] | 9 open AI roles (Oct 1, 2026); most in AI engineering |
| Huntington Bancshares | Agentic process transformation, run from finance[18][25][31] | 14, incl. Zach Wasserman (Chief Financial Officer)[18][31][52] | AI agents in production / in development: 50 / 60+, ≈ 15 new a month (Apr 24, 2026)[18] | 6 patents listed on the profile, e.g. US 11,194,637 B2 (Extensible alerts platform)[53] | 9 open AI roles (Oct 1, 2026); most in AI engineering |
| The Bancorp, Inc. | Not disclosed | 4, incl. Damian Kozlowski (Chief Executive Officer)[54][55][13] | First AI use case: investment and expected cost avoidance: $300,000 invested; about $1.5 million of run-rate expense expected to be avoided (Oct 31, 2025)[13] | Not disclosed | 2 open AI roles (Oct 5, 2026); most in AI product & strategy |
| ServisFirst Bancshares | Covecta agentic AI[12][41] | 5, incl. Tom Broughton (Chairman, President and CEO)[56][57] | Full-time equivalent employees: 663 (+22, or 3.4%, year on year; +3 on the quarter) (Jun 30, 2026)[56] | Not disclosed | Not surveyed |
| SoFi Technologies | SoFi Coach, Composer by SoFi and the Galileo / Technisys stack[32][28][33][34] | 10, incl. Anthony Noto (Chief Executive Officer)[58][32] | Mobile monorepo migrated with AI tooling: > 2 million lines; 40,000+ tests (Jul 6, 2026)[34] | 2 patents listed on the profile, e.g. US 2024/0403952 A1 (Continuation of the fairness patent)[59] | 5 open AI roles (Oct 1, 2026); most in ML & data science |
| Enterprise Financial Services Corp | Automation journey on the existing technology framework[42][43][44][45] | 5, incl. James B. Lally (President and CEO)[60][61] | Not disclosed | Not disclosed | Not surveyed |
| Merchants Bancorp | Not disclosed | 4, incl. Michael F. Petrie (Chairman and CEO)[62] | Employees: 735 (424 in central Indiana) at year-end 2025; 663 in 2024; 618 in 2023 (Dec 31, 2025)[63][64][65] | Not disclosed | 1 open AI roles (Oct 14, 2026); most in AI product & strategy |
What are the latest dated moves on the AI record of Live Oak and its peers?
The two newest dated entries of each bank since Oct 16, 2025, from the timelines of the profiles (which also log filings, results and deals that bear on the AI record), newest first.
| Date | Bank | Move |
|---|---|---|
| Oct 8, 2026 | Live Oak | Glia names Live Oak a Catalyst Awards Pacesetter[19] |
| Sep 29, 2026 | Huntington | Named a Coverbase enterprise customer[66] |
| Sep 25, 2026 | Huntington | Vakharia on AI in bank marketing[67] |
| Sep 24, 2026 | Axos Bank | Proxy: Technology Committee chair named; Axos Clearing head retired[68] |
| Sep 22, 2026 | SoFi | SoFiUSD settlement live on Mastercard[69] |
| Sep 21, 2026 | Axos Bank | Capital One IRA acquisition closes[70] |
| Sep 15, 2026 | ServisFirst Bank | Trade press frames Covecta as a third US bank client[71] |
| Sep 10, 2026 | ServisFirst Bank | Selects Covecta to deploy agentic AI[12] |
| Sep 8, 2026 | The Bancorp | Chime says it will buy a bank of its own[72] |
| Sep 4, 2026 | The Bancorp | Apex 2030 restructuring: 64 jobs cut, more automation and AI[55] |
| Aug 27, 2026 | Merchants Bank of Indiana | Blue Sage reports 200%+ jumbo correspondent volume growth[73] |
| Aug 21, 2026 | SoFi | Coach rolled out widely; actions still member-authorised[74] |
| Aug 7, 2026 | Merchants Bank of Indiana | Second-quarter 2026 10-Q has no AI language[75] |
| Aug 7, 2026 | Customers Bank | Q2 2026 10-Q: no AI language[76][77] |
| Aug 6, 2026 | Enterprise Bank & Trust | First banking partner in the AppFolio Stack Marketplace[78] |
| Aug 4, 2026 | Live Oak | Q2 10-Q lists AI deployment risk among forward-looking factors[79] |
| Aug 3, 2026 | Enterprise Bank & Trust | Microsoft Copilot course for clients[44] |
| Jul 24, 2026 | Customers Bank | Q2 2026 call: underwriting, KYC and close-cycle results[80] |
How does Live Oak's AI lending compare with its peers'?
What each bank has disclosed about AI in loan origination and credit work, with the date and any scale figure. A blank means nothing is disclosed, not that nothing exists.
| Bank | What it has | Since | Scale or result disclosed |
|---|---|---|---|
| Live Oak | Casca AI loan application and origination for Live Oak Express (SBA 7(a) loans under $350,000); AI ingests loan documents and helps prepare credit memos, with human review | Design partner since November 2025; Live Oak Ventures invested August 2025 | $82 million of Express originations in Q2 2026; target of at least $750 million a year; aim of seven to ten days from application to funding[1][14][81][2] |
| Huntington | Casca generative-AI origination for SBA 7(a) loans; applicants can ask a chatbot overnight and a banker reviews it next morning; credit decisions stay with existing models and loan officers | Invested August 2025; deployment planned for 2026 | Not disclosed for Casca; 50 AI agents in production bank-wide (April 2026)[4][18] |
| Customers | Multi-agentic credit underwriting built with OpenAI engineers on site | OpenAI collaboration announced April 27, 2026 | Selected C&I and CRE loans closed in seven days, from 30 to 60; an 85% reduction in readiness to close (July 2026)[35][5][80] |
| Axos | AI in commercial credit underwriting and portfolio-management workflows; an agent extracts covenants from loan agreements for attorney review | July 2025 call; January 2026 call | Not disclosed[82][83] |
| SoFi | Credit-risk strategies moved to Oscilar's platform | June 2026 | 50% faster deployment of credit-risk strategies; 30%+ faster decisioning[84] |
| ServisFirst | Covecta agentic AI in operational workflows outside mission-critical systems | September 10, 2026 | No use case or volume disclosed[12] |
How does Live Oak's employee AI compare with its peers'?
Internal tools, models and adoption figures each bank has put on the record. Counts of 'agents' are self-reported and defined differently from bank to bank.
| Bank | Tools and models named | Adoption disclosed | Date |
|---|---|---|---|
| Live Oak | Claude Enterprise (pilot), Microsoft Copilot, Cursor for developers, in-house large language models for analytics | 640+ agents and skills built by staff; 150 Claude super users (about 15% of staff); AI tools for 100% of employees | July 23, 2026[6][23][17] |
| Customers | OpenAI (ChatGPT Enterprise since 2023, on-site engineers since April 2026), Microsoft, ElevenLabs | 600+ agents; 100% of staff AI-licensed; 46,000+ self-reported hours saved; AI writes about half the code | July 2026; April 2026[7][10][20] |
| Axos | Claude Enterprise, OutSystems Agent Workbench, specialised QA agents | 500+ team members on the enterprise assistant; 90% of committed code from AI; technical AI users up 37% in 2026 | April 30, 2026[8][9][38] |
| Huntington | Vendor suites (Salesforce, Microsoft) for up to 80% of its AI; about 20% built in-house | 50 agents in production, 60+ in development, about 15 new a month | April 24, 2026[25][18] |
| The Bancorp | Unnamed AI tools, including AI-supported narrative writing in financial crimes | 64 filled positions cut (9% of staff) as automation and AI expand; about $14 million of annual savings | September 4, 2026[55] |
| SoFi | AI tooling for engineering | A mobile monorepo of more than 2 million lines and 40,000+ tests migrated with AI tooling | July 6, 2026[34] |
How does Live Oak's technology spending and efficiency compare with its peers'?
What each bank discloses about technology or AI spending and its efficiency ratio, with the period. None of these banks publishes a stand-alone AI budget.
| Bank | Technology or AI spend disclosed | Efficiency ratio | Period |
|---|---|---|---|
| Live Oak | Technology expense $9.6 million, down 4.5% from $10.1 million; 'several million dollars' on the Casca-based origination platform | 54.13% (61.01% a year earlier) | Q2 2026[11][6] |
| Customers | 40-person AI mobilization team, about 5% of the workforce | About 50%; targeting low 40s in 2027 | Q2 2026[7][80][26] |
| Axos | Arc integration adds about $1 million a month to non-interest expense | 49.49% (46.84% a year earlier) | Fiscal year to June 30, 2026[85][50] |
| Huntington | About 20% planned growth in investment, including AI, for 2026 | Not shown here | January 2026 guidance[86] |
| ServisFirst | No additional technology spend planned (CFO, July 2026) | 29.65% | Q2 2026[87] |
| The Bancorp | About $14 million of annual savings from a restructuring tied to automation and AI | 41% | Q2 2026; September 2026[88][55] |
Which banks are Live Oak's peers, and why these?
Live Oak Bancshares is compared here with Customers Bancorp, Axos Financial, Huntington Bancshares, The Bancorp, Inc., ServisFirst Bancshares, SoFi Technologies, Enterprise Financial Services Corp and Merchants Bancorp: chosen by the editors for this page (see the note below the table). Live Oak Bancshares is classed as a commercial and business bank in the Southeast.
The computed group was mostly branch-based regional banks; Live Oak lends nationally without branches, so this group holds branchless or branch-light specialty and digital banks of similar size (Customers, Axos, The Bancorp, SoFi, ServisFirst, Enterprise, Merchants) plus Huntington, a top SBA 7(a) lender and Live Oak's fellow investor and design partner in Casca.
Is Live Oak Bank better than Customers Bank at AI?
The record cannot settle capability, but Customers has put more on it: 75.5 on this site's disclosure index against Live Oak's 53.1. Customers has an OpenAI collaboration with engineers on site, 600-plus agents and a seven-day commercial loan close in pilot. Live Oak's distinguishing work is Casca-based origination for Live Oak Express, with $82 million of originations in Q2 2026.[35][7][5][2]
How does Live Oak's use of Casca compare with Huntington's?
Both banks invested in Casca's $29 million Series A in August 2025 and were its first design partners. Live Oak has used the platform on Live Oak Express loans since co-designing began in November 2025 and expects full rollout by the end of 2026. Huntington said it would deploy Casca in SBA 7(a) lending in 2026, with credit decisions staying with its loan officers.[15][1][3][4]
Does Live Oak have an AI assistant like SoFi Coach?
Not a financial-guidance assistant. Live Oak uses Glia's Banking AI in customer contact, which Glia credits with 93% first-contact resolution. SoFi launched SoFi Coach, a chat-based financial guide, on June 2, 2026; nearly 70% of engaged testers took a meaningful financial action, and SoFi reports nearly 500,000 Coach conversations.[19][28][29]
How many AI agents has Live Oak built compared with other banks?
Live Oak said in July 2026 that staff had built more than 640 agents and skills, up from over 300 in April. Customers reports more than 600 agents including custom GPTs, and Huntington 50 agents in production with more than 60 in development. Each bank counts differently, so the figures show scale of experimentation rather than comparable output.[6][16][7][18]
Which AI models does Live Oak use compared with Axos and Customers?
Live Oak is piloting Claude Enterprise with 150 super users and also uses Microsoft Copilot and Cursor. Axos says more than 500 team members use Claude Enterprise. Customers works with OpenAI, whose engineers have been on site since April 2026, and with Microsoft and ElevenLabs. None of the three discloses contract terms.[6][23][8][35][20]
How does Live Oak's technology spending compare with its peers?
Live Oak reported technology expense of $9.6 million in Q2 2026, down 4.5% from a year earlier, and said it spends several million dollars on the Casca-based origination platform. Huntington planned about 20% growth in investment, including AI, for 2026; Axos says its Arc integration adds about $1 million a month; ServisFirst's CFO planned no additional technology spend.[11][6][86][85][87]
Why is Live Oak compared with Axos, Customers and SoFi rather than regional banks?
Because it has no branches. Its 2025 10-K says it serves customers through a technology-based platform 'without maintaining traditional branch locations' and runs a national online platform for small business lending and deposits. The group therefore holds digital and specialty banks of similar size, such as Axos, Customers and The Bancorp, plus Huntington, a fellow top SBA lender and Casca partner.[21][89][4]
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