Live Oak director plans sale of 1,600 shares

Director-related Rule 144 notice covers a potential sale of 1,600 LOB common shares acquired as restricted stock compensation.

Rhea-AI Filing Summary

Live Oak Bancshares, Inc. (LOB) has a notice of proposed sale filed under Rule 144 for shares held by director Tonya W. Bradford. The notice covers the potential sale of 1,600 shares of common stock through Fidelity Brokerage Services LLC on the NYSE, with an indicated aggregate market value of $63,824.00. The shares were acquired on May 1, 2025 as restricted stock vesting from the issuer as compensation.

Key Figures

Shares proposed to be sold: 1,600 shares Aggregate market value of securities: $63,824.00 Date of acquisition: May 1, 2025 +3 more

6 metrics

Shares proposed to be sold 1,600 shares Common stock under Rule 144 notice for Live Oak Bancshares, Inc.

Aggregate market value of securities $63,824.00 Value shown in the securities information section for the 1,600 shares

Date of acquisition May 1, 2025 Acquisition date for the restricted stock vesting received as compensation

Form type Form 144 Notice of proposed sale of securities under Rule 144

Planned trading market NYSE Listed as the market for the proposed sale of LOB common stock

Number of shares to be sold from compensation grant 1,600 shares Shares obtained via restricted stock vesting from the issuer as compensation

Key Terms

Rule 144, restricted stock vesting, attorney-in-fact, compensation

4 terms

Rule 144 regulatory

"See the definition of "person" in paragraph (a) of Rule 144."

Rule 144 is a U.S. securities regulation that sets conditions under which restricted or insider-held shares can be legally resold to the public, such as required holding periods, availability of public information, limits on how much can be sold at once, and certain filing requirements. For investors it matters because it determines when previously locked-up shares can enter the market — like a release valve that can increase supply, affect share price, and signal insider intent.

restricted stock vesting financial

"Common | 05/01/2025 | Restricted Stock Vesting | Issuer"

Restricted stock vesting is the timetable and conditions under which shares granted to employees or insiders become fully owned and can be sold, typically requiring continued work or meeting performance goals. It matters to investors because large blocks of shares can become tradable at once, which can change share supply and price, and because vesting aligns insiders’ incentives with the company’s long‑term performance—think of it like a timed unlock that both rewards and locks in key people.

attorney-in-fact regulatory

"as attorney-in-fact for Tonya W. Bradford"

An attorney-in-fact is the person or entity given legal authority through a power of attorney to act on behalf of another for specific tasks, such as signing documents, voting shares, or handling transactions. For investors, this matters because it lets a trusted representative make timely decisions or complete paperwork when the owner cannot, much like handing keys to someone to run errands on your behalf—so checks on scope and limits of that authority are important.

compensation financial

"1600 | 05/01/2025 | Compensation"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does the Form 144 filing for LOB disclose?

It discloses a proposed sale under Rule 144 of 1,600 shares of Live Oak Bancshares, Inc. common stock held for the account of director Tonya W. Bradford, to be sold through Fidelity Brokerage Services LLC on the NYSE.

How many Live Oak Bancshares (LOB) shares are covered by this Form 144?

The notice covers a potential sale of 1,600 shares of Live Oak Bancshares, Inc. common stock, with an indicated aggregate market value of $63,824.00 in the securities information section.

Who is the security holder in the LOB Form 144 filing?

The securities are held for the account of Tonya W. Bradford, identified as a director of Live Oak Bancshares, Inc. Fidelity Brokerage Services LLC is listed as the broker handling the transaction.

When and how were the LOB shares in this Form 144 acquired?

The 1,600 shares were acquired on May 1, 2025 through restricted stock vesting, received from the issuer as compensation, according to the securities-to-be-sold section.

On which market are the LOB shares in this Form 144 expected to be sold?

The securities information section lists the planned sales venue as the NYSE, with Fidelity Brokerage Services LLC as the broker for the proposed sale of the Live Oak Bancshares, Inc. common stock.

Who signed the Form 144 related to LOB and in what capacity?

The notice is signed by /s/ Wade Moss as a duly authorized representative of Fidelity Brokerage Services LLC, acting as attorney-in-fact for Tonya W. Bradford, on the reported date of September 3, 2026.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/03/2026 - 11:01 AM EDT Accepted by SEC EDGAR 09/03/2026 - 11:00 AM EDT Learn about SEC filing dates

Form 144 Filer Information	UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 144 NOTICE OF PROPOSED SALE OF SECURITIES PURSUANT TO RULE 144 UNDER THE SECURITIES ACT OF 1933
FORM 144

144: Filer Information

Filer CIK	0001824584
Filer CCC	XXXXXXXX
Is this a LIVE or TEST Filing?	LIVE TEST
Submission Contact Information
Name
Phone
E-Mail Address

144: Issuer Information

Name of Issuer	Live Oak Bancshares, Inc.
SEC File Number	001-37497
Address of Issuer	1741 TIBURON DRIVE WILMINGTON NORTH CAROLINA 28403
Phone	910-790-5867
Name of Person for Whose Account the Securities are To Be Sold	Bradford Tonya Williams
See the definition of "person" in paragraph (a) of Rule 144. Information is to be given not only as to the person for whose account the securities are to be sold but also as to all other persons included in that definition. In addition, information shall be given as to sales by all persons whose sales are required by paragraph (e) of Rule 144 to be aggregated with sales for the account of the person filing this notice.
Relationship to Issuer	Director

144: Securities Information

Title of the Class of Securities To Be Sold	Name and Address of the Broker	Number of Shares or Other Units To Be Sold	Aggregate Market Value	Number of Shares or Other Units Outstanding	Approximate Date of Sale	Name the Securities Exchange
Common	Fidelity Brokerage Services LLC 900 Salem Street Smithfield RI 02917	1600	63824.00	46283620	09/03/2026	NYSE

Furnish the following information with respect to the acquisition of the securities to be sold and with respect to the payment of all or any part of the purchase price or other consideration therefor:

144: Securities To Be Sold

Title of the Class	Date you Acquired	Nature of Acquisition Transaction	Name of Person from Whom Acquired	Is this a Gift?	Date Donor Acquired	Amount of Securities Acquired	Date of Payment	Nature of Payment *
Common	05/01/2025	Restricted Stock Vesting	Issuer			1600	05/01/2025	Compensation

* If the securities were purchased and full payment therefor was not made in cash at the time of purchase, explain in the table or in a note thereto the nature of the consideration given. If the consideration consisted of any note or other obligation, or if payment was made in installments describe the arrangement and state when the note or other obligation was discharged in full or the last installment paid.

Furnish the following information as to all securities of the issuer sold during the past 3 months by the person for whose account the securities are to be sold.

144: Securities Sold During The Past 3 Months

Nothing to Report

144: Remarks and Signature

Remarks
Date of Notice	09/03/2026
ATTENTION:
The person for whose account the securities to which this notice relates are to be sold hereby represents by signing this notice that he does not know any material adverse information in regard to the current and prospective operations of the Issuer of the securities to be sold which has not been publicly disclosed. If such person has adopted a written trading plan or given trading instructions to satisfy Rule 10b5-1 under the Exchange Act, by signing the form and indicating the date that the plan was adopted or the instruction given, that person makes such representation as of the plan adoption or instruction date.
Signature	/s/Wade Moss, as a duly authorized representative of Fidelity Brokerage Services LLC, as attorney-in-fact for Tonya W. Bradford
ATTENTION: Intentional misstatements or omission of facts constitute Federal Criminal Violations (See 18 U.S.C. 1001)