Live Oak Bancshares (LOB) Chief Risk Officer files Form 3 with 0 shares owned

Rhea-AI Filing Summary

Live Oak Bancshares, Inc. reported an initial insider ownership filing for its Chief Risk Officer. The Form 3 indicates that the reporting person is an officer of the company and is filing individually. In this filing, the insider reports beneficial ownership of 0 shares of Voting Common Stock, held directly. No derivative securities such as options or warrants are listed as beneficially owned.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Stasiowska Ewa Maria

Role Chief Risk Officer

Type	Security	Shares	Price	Value
holding	Voting Common Stock	--	--	--

Holdings After Transaction: Voting Common Stock — 0 shares (Direct)

Footnotes (1)

Understanding Insider Trading Forms →

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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OMB Number:			3235-0104
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1. Name and Address of Reporting Person^*

Stasiowska Ewa Maria

(Last) (First) (Middle)

1741 TIBURON DRIVE

(Street)

WILMINGTON NC 28403

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
12/01/2025

3. Issuer Name and Ticker or Trading Symbol
Live Oak Bancshares, Inc. [ LOB ]

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Risk Officer

5. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Voting Common Stock	0	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s/ Jonathan A. Greene, By Power of Attorney	12/05/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What does this Form 3 filing for Live Oak Bancshares (LOB) report?

The filing reports the initial insider ownership of the Chief Risk Officer of Live Oak Bancshares, Inc., showing current beneficial holdings and their form of ownership.

How many Live Oak Bancshares (LOB) shares does the reporting person own?

The reporting person reports beneficial ownership of 0 shares of Voting Common Stock, held directly.

What is the role of the insider in this Live Oak Bancshares (LOB) filing?

The insider is identified as an officer of Live Oak Bancshares, Inc., with the title Chief Risk Officer.

Are any derivative securities reported in this Live Oak Bancshares (LOB) Form 3?

No. The table for derivative securities shows no listed options, warrants, or other derivative positions beneficially owned by the reporting person.

Is the Live Oak Bancshares (LOB) Form 3 filed by one or multiple reporting persons?

The Form 3 is indicated as being filed by one reporting person, not a group filing.

What class of securities is covered in this Live Oak Bancshares (LOB) Form 3?

The filing covers Voting Common Stock of Live Oak Bancshares, Inc., with 0 shares reported as beneficially owned.