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. director Valine A. Yousef reported a routine equity award vesting and share issuance. On May 1, 2026, 2,946 Restricted Stock Units were exercised, delivering 2,946 shares of Voting Common Stock at a stated price of $0.00 per share.
After this derivative exercise, Yousef held 10,401 shares of Voting Common Stock directly. Separately, 1,500 shares of Voting Common Stock are reported as indirectly owned through the Valine Revocable Living Trust. The restricted stock units vested on May 1, 2026, and each unit represented a contingent right to receive one share of Voting Common Stock, with no remaining derivative position shown in this filing.
Live Oak Bancshares, Inc. director Miltom Emmett Petty exercised restricted stock units into common shares as part of equity compensation. On May 1, 2026, 2,946 restricted stock units vested and were converted into the same number of shares of voting common stock at a stated price of $0.00 per share. Following this derivative exercise, Petty directly holds 130,839 shares of voting common stock. The filing shows an acquisition of shares through RSU vesting, with no open-market buying or selling reported.
Live Oak Bancshares director Patrick Timothy McHenry exercised restricted stock units that had vested into common shares. On May 1, 2026, he converted 3,080 restricted stock units into 3,080 shares of Voting Common Stock at a stated price of $0.00 per share. Each restricted stock unit represented a contingent right to receive one share of voting common stock, and following this transaction he directly held 3,080 common shares. The filing shows an exercise-and-hold pattern, with no open-market sales reported in this transaction.
Live Oak Bancshares, Inc. director Sally S. Davis exercised restricted stock units that had vested into common shares as part of her compensation. On May 1, 2026, 1,890 restricted stock units converted into 1,890 shares of voting common stock, each unit representing a contingent right to one share. Following this transaction, she directly holds 12,640 shares of voting common stock. These were option/RSU exercises, not open‑market purchases or sales.
Live Oak Bancshares director David G. Lucht increased his equity stake through RSU vesting. On May 1, 2026, 2,946 restricted stock units vested and were converted into an equal number of shares of Live Oak voting common stock at a stated price of $0.00 per share.
Following this transaction, Lucht directly holds 18,623 shares of voting common stock. He also directly holds 4,000 depositary shares, each representing a 1/40th interest in a share of the company’s 8.375% Fixed Rate Non-Cumulative Perpetual Preferred Stock, Series A, with a liquidation preference of $1,000 per preferred share, equivalent to $25.00 per depositary share.
Live Oak Bancshares director Cameron William Henderson exercised restricted stock units into common shares as part of equity compensation. On May 1, 2026, 2,946 restricted stock units vested and were converted into 2,946 shares of Voting Common Stock at a stated price of $0.00 per share.
Following the transaction, Henderson holds 19,850 shares of Voting Common Stock directly. He also has indirect holdings reported as 470 shares held by a GST-Exempt Trust and 204,544 shares held by the William H. Cameron Revocable Trust. The filing shows no open‑market purchases or sales.
Live Oak Bancshares director Tonya Bradford Williams reported the vesting and exercise of restricted stock units into common shares. On May 1, 2026, 2,946 restricted stock units converted into 2,946 shares of voting common stock at a stated price of $0.00 per share.
Following this derivative exercise, she directly holds 9,643 shares of Live Oak Bancshares voting common stock. The filing reflects a compensation-related equity vesting rather than any open-market purchase or sale.
Live Oak Bancshares, Inc. reported strong first-quarter 2026 results, with net income of $29.9 million for the three months ended March 31, 2026, up from $9.7 million a year earlier. Net income attributable to common shareholders was $27.9 million, and diluted earnings per share rose to $0.60 from $0.21.
Total assets reached $15.3 billion, slightly higher than $15.1 billion at December 31, 2025, driven mainly by growth in loans and leases held for investment to $12.16 billion. Deposits increased to $13.84 billion, and shareholders’ equity grew to $1.28 billion, reflecting retained earnings and equity compensation.
Net interest income improved to $119.4 million from $100.5 million as loan interest outpaced higher funding costs. The provision for credit losses declined to $20.1 million, and the allowance for credit losses on loans and leases stood at $193.3 million. The company adopted an enhanced expected credit loss model using probability of default, loss given default and exposure at default, incorporating a two-year economic forecast. Operating cash flow swung to an inflow of $87.4 million from an outflow a year earlier.
Live Oak Bancshares, Inc. chief information and digital officer Renato Derraik reported an open-market sale of 75,000 shares of voting common stock on April 30, 2026. The shares were sold at a weighted average price of $37.828, with individual trades between $37.51 and $38.095.
Following the sale, Derraik directly holds 4,243 shares of voting common stock. He also holds several restricted stock unit awards, each representing a contingent right to receive one share of voting common stock and vesting in five equal annual installments beginning on various February and August dates between 2022 and 2027, subject to continued service.
Fidelity Brokerage Services LLC submitted a Form 144 notice to sell 75,000 shares of Common Stock (LOB) listed on the NYSE. The filing lists an aggregate value of $2,837,074.30 and shows 46,219,604 (figure included in the excerpt) with an effective date of 04/30/2026. The excerpt also lists multiple historical restricted stock vesting allocations (dates and share counts) that appear as compensation vesting events.