Live Oak Bancshares (LOB) appoints Ewa Stasiowska as new Chief Risk Officer

Rhea-AI Filing Summary

Live Oak Bancshares, Inc. announced a leadership change in its risk management function. Effective December 1, 2025, the company appointed Ewa Stasiowska as Chief Risk Officer of both Live Oak Bancshares and its wholly owned subsidiary, Live Oak Banking Company. She replaces Gregory W. Seward, who had served as Chief Risk Officer since July 2022.

Gregory Seward will continue in his existing role as General Counsel for the company and the bank, so he remains part of the executive team. The company also issued a press release describing Ms. Stasiowska’s appointment, which is included as an exhibit to this report.

FALSE000146212000014621202025-12-012025-12-010001462120us-gaap:CommonStockMember2025-12-012025-12-010001462120us-gaap:SeriesAPreferredStockMember2025-12-012025-12-01

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): December 1, 2025

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 5.02. Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain

Officers; Compensatory Arrangements of Certain Officers

Effective December 1, 2025, Live Oak Bancshares, Inc. (the “Company”), appointed Ewa Stasiowska as Chief Risk Officer of the Company and its wholly owned subsidiary, Live Oak Banking Company (the “Bank”). Ms. Stasiowska succeeds Gregory W. Seward, who had served as Chief Risk Officer of the Company and the Bank since July 2022. Mr. Seward will remain General Counsel of the Company and the Bank.

A copy of the Company’s press release regarding the appointment of Ms. Stasiowska is attached as Exhibit 99.1 to this Form 8-K.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit Number						Description
99.1						Press Release dated December 1, 2025
104						Cover Page Interactive Data File (embedded within the Inline XBRL document)

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: December 1, 2025			By:			/s/ Gregory W. Seward
						Gregory W. Seward General Counsel

FAQ

What executive change did Live Oak Bancshares (LOB) report in this 8-K?

The company appointed Ewa Stasiowska as Chief Risk Officer of Live Oak Bancshares and Live Oak Banking Company, effective December 1, 2025.

Who did Ewa Stasiowska replace as Chief Risk Officer at Live Oak Bancshares (LOB)?

She succeeds Gregory W. Seward, who had served as Chief Risk Officer of the company and the bank since July 2022.

Does Gregory W. Seward remain at Live Oak Bancshares (LOB) after this change?

Yes. Gregory W. Seward will remain General Counsel of Live Oak Bancshares, Inc. and Live Oak Banking Company.

When did the Chief Risk Officer change at Live Oak Bancshares (LOB) become effective?

The appointment of Ewa Stasiowska as Chief Risk Officer became effective on December 1, 2025.

Did Live Oak Bancshares (LOB) issue a press release about the new Chief Risk Officer?

Yes. A press release dated December 1, 2025 announcing Ewa Stasiowska’s appointment is attached as Exhibit 99.1.

Which subsidiaries are affected by the Chief Risk Officer appointment at Live Oak Bancshares (LOB)?

The appointment covers both Live Oak Bancshares, Inc. and its wholly owned subsidiary, Live Oak Banking Company.