Welcome to our dedicated page for Live Oak Bancshares SEC filings (Ticker: LOB), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to SEC filings for Live Oak Bancshares, Inc. (NYSE: LOB), a North Carolina–incorporated financial holding company and parent company of Live Oak Bank. Through these filings, investors can review the company’s detailed financial statements, risk disclosures, capital structure information, and governance updates.
Live Oak Bancshares’ periodic reports, such as its Form 10-K annual reports and Form 10-Q quarterly reports, present audited and unaudited financial statements, including net interest income, noninterest income, loan and lease production, deposit balances, total assets, and key performance measures. These filings also describe the company’s focus on small business lending, SBA 7(a) and USDA loan programs, and its use of a technology-based platform to support its banking model.
Current reports on Form 8-K offer more targeted updates. Recent 8-K filings have covered topics such as quarterly earnings announcements, restatements of Statements of Cash Flows and the related identification of a material weakness in internal control over financial reporting, dividend declarations on common stock and 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock depositary shares, the appointment of new directors and a Chief Risk Officer, and information about a prearranged Rule 10b5-1 stock trading plan adopted by the company’s chairman and chief executive officer.
Investors interested in capital structure and securities terms can review filings related to the company’s depositary share offering for its Series A preferred stock, including prospectus supplements and 8-K disclosures describing dividend rates, listing intentions, and potential redemption features. Filings also discuss the company’s status as a financial holding company, regulatory considerations tied to SBA and USDA programs, and technology and operational risks.
On Stock Titan, these filings are updated in near real time as they are posted to the SEC’s EDGAR system. AI-powered summaries help explain the contents of lengthy documents, highlighting items such as changes in internal control, restatement impacts on Statements of Cash Flows, dividend decisions, and board or executive appointments. Users can quickly scan 10-K and 10-Q reports for segment performance and risk factors, and examine Form 4 insider transaction reports and other ownership disclosures when available. This combination of raw filings and AI explanations allows readers to understand how Live Oak Bancshares’ regulatory reporting reflects its small business banking strategy, fintech investments, and risk management practices.
William C. Losch III, President and Director of Live Oak Bancshares (LOB), reported transactions in the company's voting common stock on 08/11/2025. The report shows 42,000 shares tied to restricted stock units (RSUs) and a separate disposition of 18,665 shares at a price of $31.83.
The filing lists reported beneficial ownership figures of 181,459 shares (following the RSU-related entry) and 162,794 shares (following the sale entry). Several RSU grants remain outstanding and vest in five equal annual installments on specified start dates, with reported grant amounts of 2,528, 53,769, 200,000, 44,066 and 45,153 RSUs; each RSU represents a contingent right to one share.
Live Oak Bancshares insider filing by Renato Derraik reports transactions dated 08/11/2025. The filing shows an acquisition of 25,000 restricted stock units (RSUs) and a separate disposition of 11,111 shares at $31.83. The Form 4 lists resulting beneficial ownership figures of 75,535 shares on the acquisition line and 64,424 shares on the disposition line, and identifies the reporting person as Renato Derraik, Chief Information/Digital Officer. The RSUs are described as contingent rights to one share each and vest in five equal annual installments with start dates of Aug 10, 2022, Feb 14, 2023, Feb 13, 2024, Feb 12, 2025, and Feb 10, 2026, subject to continued service. The filing is signed by Jonathan A. Greene by Power of Attorney on 08/13/2025.
Live Oak Bancshares appointed Jeffrey Williams Lunsford to its Board and to the board of its wholly owned bank subsidiary, with service through the next annual shareholders' meeting and pro-rated non-employee director compensation. Mr. Lunsford is Chairman and a co-founder of DefenseStorm, a provider of information technology and cybersecurity solutions for financial institutions.
The filing discloses ownership and vendor relationships: Mr. Lunsford and family own approximately 8.83% of DefenseStorm; certain other directors and executives and their related interests own about 3.96%; the company’s subsidiary Live Oak Ventures owns about 4.49%. The Bank paid DefenseStorm $469,152 in 2024 and $484,881 year-to-date in 2025. A press release announcing the appointment is attached as an exhibit.
Live Oak Bancshares (NYSE: LOB) filed a preliminary 424(b)(5) prospectus to issue an unspecified number of depositary shares, each representing 1/40th of a new Series A Fixed-Rate Non-Cumulative Perpetual Preferred share (liquidation value $25 per depositary share, $1,000 per preferred share). Dividends are discretionary, non-cumulative and paid quarterly beginning 15 Sep 2025; the preferred becomes callable on any dividend date from 15 Sep 2030, or sooner upon a regulatory-capital event, at $25 plus declared dividends. The preferred ranks senior to common stock, has no voting rights except for customary protective provisions, and is expected to list on NYSE as “LOB PR A.” Net proceeds (≈gross less underwriting discount/expenses) will strengthen regulatory capital and support balance-sheet growth; underwriters hold a 30-day over-allotment option.
Management released unaudited 2Q 25 highlights: revenue $143.7 m (+14% QoQ), net income $23.4 m (+141% QoQ), EPS $0.51, provision expense down 20% to $23.3 m, and non-interest expense up 6% to $89.3 m. Loans originated rose 9% to $1.53 bn; total assets reached $13.83 bn and deposits $12.59 bn. Regulatory capital at 31 Mar 25 stood at CET1/Tier 1 10.67% and leverage 8.03%; the offering will boost Tier 1 capital classification (Additional Tier 1) subject to Federal Reserve approval.