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. is asking shareholders to vote at its May 19, 2026 annual meeting in Wilmington, NC on ten director elections, a new 2026 Omnibus Stock Incentive Plan, a 2026 Employee Stock Purchase Plan, an advisory say‑on‑pay resolution, and ratification of KPMG LLP as 2026 auditors. The board recommends voting FOR all nominees and proposals 2–5. As of March 20, 2026, 46,239,891 shares of voting common stock were outstanding; insiders and directors as a group held 10,328,280 shares, or 22.4%. In 2025 the company reported total assets of $15.13 billion, loans of $12.39 billion, deposits of $13.69 billion, and net income attributable to common shareholders of $102.8 million, up 32.7% from $77.5 million, with net interest margin rising to 3.30%. The 2025 say‑on‑pay vote received 67.13% support, and the compensation committee describes expanded shareholder outreach and additional disclosure around how it sets cash bonuses and time‑based RSU awards for named executives.
Live Oak Bancshares Inc amended a Schedule 13G/A to report that The Vanguard Group holds 0 shares of Common Stock, representing 0% of the class. The filing notes an internal realignment effective January 12, 2026, after which certain Vanguard subsidiaries report holdings separately.
The amendment is signed by Ashley Grim, Head of Global Fund Administration, on March 27, 2026, and states that Vanguard-managed accounts retain rights to dividends or sale proceeds where applicable.
Live Oak Bancshares Chief Executive Officer James S. Mahan III, through the James S. Mahan Revocable Trust, reported open-market sales of a total of 20,000 shares of Voting Common Stock. The trust sold 10,000 shares at a weighted average price of $32.8280 on one day and 10,000 shares at $32.5041 on the next day under a pre-arranged Rule 10b5-1 trading plan adopted on August 27, 2025. Following these sales, the revocable trust held 2,947,844 shares, and the filing also lists additional indirect holdings in several family and charitable trusts and an LLC.
LOB affiliate reports multiple proposed sales of Common Stock under Form 144. The James S Mahan Rev Trust shows repeated entries of 10,000 shares each sold across dates from 12/12/2025 through 03/11/2026, with per‑trade proceeds listed in the excerpt. The filings identify a brokerage account at Fidelity Brokerage Services LLC.
James S Mahan Rev Trust reported multiple open‑market sales of Common stock. The trust recorded repeated transactions of 10,000 shares executed on several dates between 12/12/2025 and 03/05/2026 with per‑trade cash values shown.
The listing shows individual sale entries with sale dates and cash amounts (for example, 351,337.65 on 12/12/2025 and 354,338.80 on 03/05/2026). These are notices of dispositions under the Form 144 reporting process.
Live Oak Bancshares, Inc. Chief Executive Officer and 10% owner James S. Mahan III reported open-market sales of a total of 20,000 shares of Voting Common Stock on March 4–5. The shares were sold indirectly through the James S. Mahan Revocable Trust at weighted average prices of $36.6872, $35.3735 and $35.8894. After these sales, the revocable trust held 2,967,844 shares of Voting Common Stock indirectly. The filing states that these sales were effected under a Rule 10b5-1 trading plan adopted by the reporting person on August 27, 2025.
Live Oak Bancshares, Inc. filed a Form S-3 shelf registration to register a range of securities for potential future offerings from time to time after the effective date. The registration covers voting common stock, non-voting common stock, preferred stock, depositary shares, debt securities, warrants, units, purchase contracts and rights.
The prospectus states that specific terms, amounts, prices and listing decisions for any offering will be provided in an accompanying prospectus supplement and that offerings may be sold directly or through agents, underwriters or dealers.
James S Mahan Rev Trust reported multiple sales of 10,000 common shares on several dates, with individual proceeds shown for each trade. The filing lists a sequence of 10,000-share sales including $328,114.80 on 12/05/2025 and $418,983.13 on 02/04/2026.
Live Oak Bancshares, Inc. General Counsel Seward Gregory W reported an open-market sale of 3,000 shares of Voting Common Stock at $36.70 per share on March 2, 2026. After this sale, he directly owned 113,797 shares of common stock.
The filing also updates holdings of several Restricted Stock Units (RSUs), each representing a contingent right to receive one share of common stock. These RSUs vest in five equal annual installments beginning on various dates from February 14, 2023 through February 9, 2027, subject to his continuous service.