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. CFO reports equity award activity. On 12/09/2025, the reporting person, the company’s Chief Financial Officer, acquired 1,572 shares of voting common stock through the vesting and settlement of restricted stock units. On the same date, 729 shares of voting common stock were disposed of at $33.02 per share in a transaction coded "F," reflecting shares withheld to cover taxes. After these transactions, the reporting person directly owned 6,586 shares of voting common stock.
The filing also lists multiple tranches of restricted stock units, each representing one share of voting common stock, that vest in five equal annual installments beginning on various dates from February 22, 2022 through August 18, 2026, subject to continued service. In addition, an employee stock option covering 6,160 shares at an exercise price of $13.59 is shown as fully vested and exercisable in yearly installments that began on February 16, 2017.
Live Oak Bancshares, Inc. reported an insider equity transaction by its Chief Banking Officer on a Form 4. On December 9, 2025, 2,829 restricted stock units (RSUs) were exercised into voting common stock, increasing the officer’s directly held shares to 10,136 before a subsequent disposition. That same day, 1,258 voting common shares were disposed of at $33.02 per share, leaving the officer with 8,878 directly owned shares.
The filing also details several RSU awards. One grant has 2,830 RSUs scheduled to vest on December 9, 2026 and 2,829 on December 9, 2027, while other awards vest in annual installments from February 2026 through February 2030 and begin in May 2026. Each vesting is contingent on the officer’s continuous service with the company or a related entity on the stated dates.
Live Oak Bancshares, Inc. insider equity activity: A company officer, the Chief Credit Officer of Live Oak Bancshares, Inc. (ticker LOB), reported routine equity transactions related to restricted stock units (RSUs) and associated common stock on December 8 and 9, 2025. The reporting person acquired 946 and 943 shares of voting common stock through RSU vesting on these dates, while 421 and 420 shares were withheld and disposed of at prices of
Live Oak Bancshares, Inc. insider reporting person, who serves as Chief Executive Officer, director and a 10% owner, reported a sale of company stock. On 12/05/2025, the insider sold 10,000 shares of Voting Common Stock at a weighted average price of
After this sale, the insider continues to hold substantial indirect positions through several entities, including 3,107,844 shares held by the James S. Mahan Revocable Trust and 3,032,547 shares held by the Marguerite D. Mahan Revocable Trust. Additional indirect holdings include 127,167 shares in the 2021 Chip Mahan Family and Charitable Trust, 127,167 shares in the 2021 Peggy Mahan Family Trust, and 140,150 shares held by Peapod II, LLC.
Live Oak Bancshares, Inc. reported an initial insider ownership filing for its Chief Risk Officer. The Form 3 indicates that the reporting person is an officer of the company and is filing individually. In this filing, the insider reports beneficial ownership of 0 shares of Voting Common Stock, held directly. No derivative securities such as options or warrants are listed as beneficially owned.
Live Oak Bancshares, Inc. insider trading report shows that a major insider executed pre-planned stock sales. On December 3, 2025, voting common stock of Live Oak Bancshares (LOB) was sold in two transactions by trusts associated with the reporting person, who is a director, 10% owner, and Chief Executive Officer.
The James S. Mahan Revocable Trust sold 6,082 shares at a weighted average price of
An affiliated trust of the issuer has filed a notice of proposed sale of 10,000 shares of common stock under Rule 144. The planned sale, through Fidelity Brokerage Services LLC on the NYSE, has an indicated aggregate market value of $326,900 with an approximate sale date of 12/05/2025. The seller previously acquired the shares in August 2020 via open-market purchases paid in cash.
Over the past three months, the same trust sold 10,000 common shares on each of 11/26/2025, 11/28/2025, and 12/03/2025, for gross proceeds of $321,747.83, $320,458.60, and $330,467.30, respectively. By signing the notice, the seller represents they are not aware of undisclosed material adverse information about the issuer’s current or prospective operations.
A shareholder of LOB has filed a notice to sell 10,000 shares of common stock under Rule 144.
The planned sale is to be executed through Fidelity Brokerage Services LLC on the NYSE, with an approximate sale date of 12/03/2025. The filing cites an aggregate market value of $330,467.30 for these 10,000 shares, compared with 45,857,617 shares of the same class outstanding.
The shares were originally acquired on 08/24/2020 in an open market purchase from the issuer, paid in cash. Over the past three months, the James S Mahan Rev Trust has already sold 10,000 common shares on 11/26/2025 for gross proceeds of $321,747.83 and another 10,000 shares on 11/28/2025 for $320,458.60. The filer also represents that they are not aware of undisclosed material adverse information about the issuer.
Live Oak Bancshares, Inc. reported insider equity activity by its General Counsel. The filing shows two transactions in voting common stock coded as "G," indicating gifts on November 26, 2025 and November 28, 2025, each at a price of $0. After these gifts, the reporting person directly beneficially owned 105,876 shares of voting common stock.
The filing also details multiple grants of restricted stock units (RSUs), each representing the right to receive one share of Live Oak Bancshares voting common stock. These RSUs vest in five equal annual installments beginning on dates in February of 2022, 2023, 2024, 2025, and 2026, as long as the General Counsel continues to serve the company or a related entity on the applicable vesting dates.
Live Oak Bancshares, Inc. insider James S. Mahan, the company’s Chief Executive Officer, director and 10% owner, reported open-market sales of company stock under a pre-arranged trading plan. On November 26, 2025, a trust for his benefit sold 10,000 shares of voting common stock at a weighted average price of $32.1723 per share. On November 28, 2025, the same trust sold an additional 10,000 shares at a weighted average price of $32.0434 per share.
The filing notes these transactions were effected pursuant to a Rule 10b5-1 trading plan adopted on August 27, 2025, which is designed to allow insiders to sell shares according to a preset schedule. After these sales, Mahan continues to report substantial indirect holdings in Live Oak Bancshares through several trusts and entities, including 3,127,844 shares held by the James S. Mahan Revocable Trust and 3,032,547 shares held by the Marguerite D. Mahan Revocable Trust.