Live Oak Bancshares (LOB) Chief Risk Officer granted 8,383 RSUs in equity award

Rhea-AI Filing Summary

Stasiowska Ewa Maria reported acquisition or exercise transactions in this Form 4 filing.

Live Oak Bancshares, Inc. Chief Risk Officer Ewa Maria Stasiowska received a grant of 8,383 restricted stock units on February 9, 2026. Each RSU represents a contingent right to receive one share of Live Oak voting common stock, aligning part of her compensation with the company’s equity.

The RSUs vest in five equal annual installments starting on February 9, 2027, conditioned on her continued service with the company or a related entity. Following the reported transactions, she also directly holds 2,595.231 shares of Live Oak voting common stock.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Stasiowska Ewa Maria

Role Chief Risk Officer

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	8,383	$0.00	--
holding	Voting Common Stock	--	--	--

Holdings After Transaction: Restricted Stock Units — 8,383 shares (Direct); Voting Common Stock — 2,595.231 shares (Direct)

Footnotes (1)

1. Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock. The RSUs vest in five equal annual installments beginning on February 9, 2027, subject to the reporting person's continuous service to the Company or a related entity on such date.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Stasiowska Ewa Maria

(Last) (First) (Middle)

1741 TIBURON DRIVE

(Street)

WILMINGTON NC 28403

(City) (State) (Zip)

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

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

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

3. Date of Earliest Transaction (Month/Day/Year)
02/09/2026

4. 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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Voting Common Stock								2,595.231	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	02/09/2026		A		8,383		(2)	(2)	Voting Common Stock	8,383	$0	8,383	D

Explanation of Responses:

1. Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.

2. The RSUs vest in five equal annual installments beginning on February 9, 2027, subject to the reporting person's continuous service to the Company or a related entity on such date.

Remarks:

	/s/ Jonathan A. Greene, By Power of Attorney	02/11/2026
	** 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 4 (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 insider transaction did Live Oak Bancshares (LOB) report for its Chief Risk Officer?

Live Oak Bancshares reported an equity award to its Chief Risk Officer. On February 9, 2026, Ewa Maria Stasiowska received 8,383 restricted stock units, each representing a right to one share of voting common stock, as part of her compensation package.

How many restricted stock units were granted to the LOB Chief Risk Officer?

The Chief Risk Officer was granted 8,383 restricted stock units. These RSUs give her a contingent right to receive 8,383 shares of Live Oak Bancshares voting common stock, subject to future vesting conditions tied to continued service with the company.

What is the vesting schedule for the 8,383 RSUs at Live Oak Bancshares (LOB)?

The 8,383 RSUs vest over five years. They vest in five equal annual installments beginning on February 9, 2027. Vesting requires the Chief Risk Officer to maintain continuous service with Live Oak Bancshares, Inc. or a related entity on each applicable vesting date.

Does the RSU grant to the LOB Chief Risk Officer involve any purchase price?

The RSU grant was reported with a price of $0 per unit. This indicates it was a compensatory grant or award, not an open-market purchase, giving the officer potential future shares without paying cash at grant.

How many Live Oak Bancshares (LOB) common shares does the Chief Risk Officer directly hold?

The Chief Risk Officer directly holds 2,595.231 voting common shares. This figure is reported as the amount of Live Oak Bancshares, Inc. voting common stock beneficially owned directly following the reported Form 4 transactions.

What does each RSU granted by Live Oak Bancshares (LOB) represent?

Each RSU represents one potential share of voting common stock. Specifically, every restricted stock unit gives a contingent right to receive one share of Live Oak Bancshares, Inc. voting common stock, subject to the vesting and continued service conditions described in the award.