Live Oak Bancshares (LOB) Chief Accounting Officer reports zero shares on Form 3

Rhea-AI Filing Summary

Live Oak Bancshares, Inc. filed an initial Form 3 for Chief Accounting Officer Matthew S. Diffley. The filing covers Voting Common Stock and shows 0 shares owned directly following the reported position. This establishes his baseline insider ownership record under SEC rules.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Diffley Matthew S

Role Chief Accounting Officer

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

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

Key Figures

Shares owned after filing: 0 shares

1 metrics

Shares owned after filing 0 shares Total Voting Common Stock following reported position

Key Terms

Form 3, Voting Common Stock, beneficial ownership

3 terms

Form 3 regulatory

"filed an initial Form 3 for Chief Accounting Officer Matthew S. Diffley"

Form 3 is the initial public filing that officers, directors and large shareholders must submit to report their ownership of a company’s securities when they become insiders. It acts like an opening inventory sheet that gives investors a starting point to see who holds significant stakes and to spot later trades or potential conflicts of interest, helping assess insider confidence and transparency.

Voting Common Stock financial

"The filing covers Voting Common Stock and shows 0 shares owned"

beneficial ownership regulatory

"establishes his baseline insider ownership record under SEC rules"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

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

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Available on EDGAR 07/06/2026 - 04:16 PM Accepted by SEC EDGAR 07/06/2026 - 04:16 PM Learn about SEC filing dates

FAQ

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

The Form 3 for Live Oak Bancshares reports Chief Accounting Officer Matthew S. Diffley’s initial insider status. It shows his beneficial ownership in Voting Common Stock as zero shares, establishing a baseline for future Form 4 or Form 5 updates.

Who is the reporting person in the Live Oak Bancshares (LOB) Form 3?

The reporting person is Matthew S. Diffley, Chief Accounting Officer of Live Oak Bancshares, Inc. The filing identifies his officer status and sets out his initial beneficial ownership position in the company’s Voting Common Stock as required by SEC rules.

How many Live Oak Bancshares (LOB) shares does Matthew Diffley report on Form 3?

Matthew Diffley reports ownership of zero shares of Voting Common Stock on the Form 3. The total shares following the reported position are listed as 0.0000, indicating no direct beneficial ownership at the time of this initial filing.

What type of security is covered in the Live Oak Bancshares (LOB) Form 3?

The Form 3 covers Voting Common Stock of Live Oak Bancshares, Inc. It classifies this as the security for which insider ownership is reported, with the total shares following the reported position shown as 0.0000 for Matthew Diffley.

Does the Live Oak Bancshares (LOB) Form 3 show any insider transactions?

The Form 3 does not show any buy or sell transactions. It records a holding entry with an unknown transaction code and indicates zero shares owned, functioning purely as an initial ownership baseline for the reporting officer.

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

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Diffley Matthew S

(Last) (First) (Middle)

1741 TIBURON DRIVE

(Street)

WILMINGTON NORTH CAROLINA 28403

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
07/01/2026

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

3a. Foreign Trading Symbol

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

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

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

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	07/06/2026
	** 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.
* Form 3: SEC 1473 (03-26)