Live Oak Bancshares (LOB) releases Q4 2025 financial results via 8-K

Rhea-AI Filing Summary

Live Oak Bancshares, Inc. reported that it has released its financial results for the fourth quarter ended December 31, 2025. The company furnished this information through a press release dated January 21, 2026, which is attached as an exhibit to this report and incorporated by reference. The report also notes that the information in this item is being provided for disclosure purposes and is not deemed to be filed for liability provisions of the securities laws or automatically incorporated into other securities filings.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K 

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 21, 2026

LIVE OAK BANCSHARES, INC.

(Exact name of registrant as specified in its charter)

North Carolina

001-37497

26-4596286

(State or other jurisdiction of incorporation)

(Commission File Number)

(IRS Employer Identification No.)

1741 Tiburon Drive,

Wilmington,

NC

28403

(Address of principal executive offices)

(Zip Code)

Registrant’s Telephone Number, Including Area Code: (910) 790-5867

Not Applicable

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐			Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐			Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐			Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐			Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class			Trading Symbol(s)			Name of each exchange on which registered
Voting Common Stock, no par value per share			LOB			New York Stock Exchange LLC
Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, no par value per share			LOB/PA			New York Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 2.02.    Results of Operations and Financial Condition.

On January 21, 2026, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the fourth quarter ended December 31, 2025. A copy of the press release announcing the Company’s results for the fourth quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein.

The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

Item 9.01.    Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number						Description
99.1						Press Release dated January 21, 2026
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

1

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

			LIVE OAK BANCSHARES, INC.
Date: January 21, 2026			By:			/s/ Walter J. Phifer
						Walter J. Phifer Chief Financial Officer

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FAQ

What did Live Oak Bancshares, Inc. (LOB) disclose in this 8-K?

Live Oak Bancshares, Inc. disclosed that it has issued a press release announcing its financial results for the fourth quarter ended December 31, 2025, and furnished that press release as an exhibit.

Which period’s results did Live Oak Bancshares, Inc. (LOB) address?

The company addressed its financial results for the fourth quarter ended December 31, 2025.

When did Live Oak Bancshares, Inc. (LOB) announce its fourth-quarter 2025 results?

Live Oak Bancshares, Inc. announced its fourth-quarter 2025 results on January 21, 2026, as stated in the press release referenced in this report.

Where can investors find the detailed Q4 2025 financial results for Live Oak Bancshares, Inc. (LOB)?

Detailed Q4 2025 financial results are contained in the press release furnished as Exhibit 99.1 to this report.

Does this 8-K for Live Oak Bancshares, Inc. (LOB) include the full financial statements?

The report itself does not list full financial statements; instead, it furnishes a press release as Exhibit 99.1 that contains the company’s fourth-quarter 2025 financial results.

How is the Q4 2025 results information treated under securities law for Live Oak Bancshares, Inc. (LOB)?

The information about Q4 2025 results, including Exhibit 99.1, is stated as not being deemed filed for purposes of Section 18 of the Exchange Act or automatically incorporated into other securities offerings, unless specifically referenced.