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.
Live Oak Bancshares, Inc. Chief Information/Digital Officer of the bank, Derraik Renato, reported equity compensation and related share movements. On February 9, 2026, he received 10,778 restricted stock units (RSUs), each representing one share of voting common stock, vesting in five equal annual installments beginning February 9, 2027, subject to continued service. On February 10, 2026, he exercised 3,135 RSUs into 3,135 shares of voting common stock at $0, and 1,515 shares of voting common stock were disposed of at
Live Oak Bancshares, Inc. Chief Accounting Officer John W. Sutherland reported equity compensation and related share movements. On February 9, 2026, he acquired 2,754 restricted stock units (RSUs), each representing a contingent right to one share of voting common stock, vesting in five equal annual installments beginning on February 9, 2027, subject to continued service.
On February 10, 2026, he exercised 570 RSUs into 570 shares of voting common stock, and 284 shares of voting common stock were disposed of at $41.04 per share to cover tax obligations. Following these transactions, he directly beneficially owned 15,576 shares of voting common stock and held multiple RSU awards with various five‑year vesting schedules.
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.
Live Oak Bancshares General Counsel Seward Gregory W reported equity compensation and related share movements. On February 9, 2026, he received a grant of 8,383 restricted stock units (RSUs), each representing one share of voting common stock, vesting in five equal annual installments beginning on February 9, 2027, subject to continued service.
On February 10, 2026, he exercised RSUs into 1,852 shares of voting common stock and then had 922 shares of voting common stock withheld at $41.04 per share to cover tax obligations. Following these transactions, he directly owned 106,806 shares of voting common stock.
Live Oak Bancshares Chief Experience Officer Spencer Courtney reported equity compensation activity. On February 9, 2026, Courtney received a grant of 6,586 restricted stock units, each representing one share of voting common stock, vesting in five equal annual installments beginning February 9, 2027, subject to continued service.
On February 10, 2026, 1,425 RSUs were exercised and converted into 1,425 shares of voting common stock at a stated price of $0, increasing Courtney’s directly held common stock to 26,585 shares before tax withholding. On the same date, 709 shares of voting common stock were disposed of at $41.04 per share to satisfy tax withholding, leaving 25,876 shares of voting common stock held directly and 153.7958 shares held indirectly by a spouse.
Live Oak Bancshares, Inc. Chief Financial Officer Walter J. Phifer reported equity compensation and related share activity. On February 9, 2026 he received a grant of 9,580 restricted stock units (RSUs), each representing one share of voting common stock, vesting in five equal annual installments beginning February 9, 2027, subject to continued service.
On February 10, 2026 he exercised 1,852 RSUs, acquiring the same number of voting common shares, and had 957 shares withheld to cover tax obligations at $41.04 per share. After these transactions he directly owned 13,767 shares of voting common stock, along with multiple RSU awards that vest annually over future dates.
Live Oak Bancshares Chief Banking Officer Mark Michael Moroz received an award of 8,982 restricted stock units (RSUs) on February 9, 2026. Each RSU represents a contingent right to one share of voting common stock and vests in five equal annual installments beginning February 9, 2027, subject to continued service.
On February 10, 2026, Moroz exercised 1,852 RSUs into voting common stock at
Live Oak Bancshares, Inc. president William C. Losch III reported multiple equity compensation transactions. On February 9, 2026, he acquired 52,694 restricted stock units (RSUs), each representing one share of voting common stock, through a grant at an exercise price of $0.
On February 10, 2026, he exercised 9,030 RSUs, acquiring 9,030 shares of voting common stock at $0 per share, and 4,105 shares of voting common stock were disposed of at $41.04 per share to cover tax obligations. After these transactions, he directly owned 195,498 shares of voting common stock.
The filing also lists several existing RSU awards with different grant dates that vest in five equal annual installments beginning on dates from August 10, 2022 through February 12, 2025, and February 10, 2026 and February 9, 2027, contingent on continued service.
Live Oak Bancshares Chief Credit Officer Michael Cairns reported equity award activity. On February 9, 2026, he received a grant of 10,778 restricted stock units (RSUs), each representing one share of voting common stock, vesting in five equal annual installments beginning February 9, 2027.
On February 10, 2026, he exercised 1,282 RSUs, acquiring the same number of voting common shares, and 638 shares of common stock were withheld at $41.04 per share to cover tax obligations. After these transactions, he directly held 10,112 voting common shares and multiple RSU awards with stated vesting schedules running through 2029.
An affiliate of issuer LOB filed a notice to sell 10,000 shares of common stock under Rule 144 through Fidelity Brokerage Services LLC on 02/11/2026, with an aggregate market value of $415,600 on the NYSE.
The filing lists 45,857,617 shares of common stock outstanding. The seller acquired the shares in open market purchases on 08/19/2020 and 08/20/2020, paid in cash. It also details multiple prior 10,000‑share sales over the past three months with stated gross proceeds for each trade.