Live Oak Bancshares (LOB) Chief Risk Officer buys 2,595 shares

Rhea-AI Filing Summary

Live Oak Bancshares, Inc. insider activity shows Chief Risk Officer Ewa Maria Stasiowska buying voting common stock. On 01/26/2026, she purchased 2,595.231 shares in an open-market transaction at a weighted average price of $38.532 per share, bringing her directly held stake to 2,595.231 shares.

The trade was executed in multiple lots at prices ranging from $38.532 to $38.535, with the reported price reflecting the weighted average across those trades.

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
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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)
01/26/2026

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	01/26/2026		P		2,595.231	A	$38.532(1)	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

Explanation of Responses:

1. This transaction was executed in multiple trades at prices ranging from $38.532 to $38.535. The price reported in Column 4 is a weighted average price. The reporting person hereby undertakes to provide upon request to the SEC staff, the Issuer or a security holder of the Issuer full information regarding the number of shares and prices at which the trades were effected.

Remarks:

	/s/ Jonathan A. Greene, By Power of Attorney	01/28/2026
	** 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 on January 26, 2026?

Live Oak Bancshares reported that Chief Risk Officer Ewa Maria Stasiowska bought 2,595.231 shares of voting common stock on January 26, 2026 at a weighted average price of $38.532 per share, increasing her directly held position to 2,595.231 shares.

Who is the insider involved in the latest Live Oak Bancshares (LOB) Form 4 filing?

The insider is Ewa Maria Stasiowska, Chief Risk Officer of Live Oak Bancshares. She is an officer but not a director or 10% owner, and she directly holds the voting common stock reported in this Form 4 transaction dated January 26, 2026.

How many Live Oak Bancshares (LOB) shares did the Chief Risk Officer buy and at what price?

The Chief Risk Officer purchased 2,595.231 shares of Live Oak Bancshares voting common stock. The weighted average purchase price was $38.532 per share, with individual trades executed in a narrow range between $38.532 and $38.535 according to the filing footnote.

Does the Live Oak Bancshares (LOB) Form 4 reflect direct or indirect ownership?

The Form 4 shows that the 2,595.231 voting common shares are held directly by the reporting person. The ownership form is marked as “D” for direct, and there is no indication of indirect ownership through entities or related parties in the filing.

What does the price range footnote mean in the Live Oak Bancshares (LOB) Form 4?

The footnote explains that the purchase was executed in multiple trades at prices from $38.532 to $38.535. The reported $38.532 figure is a weighted average. The insider has undertaken to provide detailed trade and price information to regulators or shareholders on request.