Gregory W. Seward - 09 Feb 2026 Form 4 Insider Report for Live Oak Bancshares, Inc. (LOB)

Role: General Counsel
Signature: /s/ Jonathan A. Greene, by Power of Attorney
Issuer symbol: LOB
Transactions as of: 09 Feb 2026
Net transactions value: -$37,839
Form type: 4
Filing time: 11 Feb 2026, 17:10:52 UTC
Previous filing: 01 Dec 2025
Next filing: 17 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Seward Gregory W	General Counsel	1741 TIBURON DRIVE, WILMINGTON	/s/ Jonathan A. Greene, by Power of Attorney	11 Feb 2026	0001656656

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	LOB	Voting Common Stock	Options Exercise		+1,852	+1.7%		107,728	10 Feb 2026	Direct	F1
transaction	LOB	Voting Common Stock	Tax liability	$37,839	-922	-0.86%	$41.04	106,806	10 Feb 2026	Direct

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	LOB	Restricted Stock Units	Award	$0	+8,383		$0.000000	8,383	09 Feb 2026	Voting Common Stock	8,383		Direct	F1, F2
transaction	LOB	Restricted Stock Units	Options Exercise	$0	-1,852	-20%	$0.000000	7,412	10 Feb 2026	Voting Common Stock	1,852		Direct	F1, F3
holding	LOB	Restricted Stock Units						1,000	09 Feb 2026	Voting Common Stock	1,000		Direct	F1, F4
holding	LOB	Restricted Stock Units						4,740	09 Feb 2026	Voting Common Stock	4,740		Direct	F1, F5
holding	LOB	Restricted Stock Units						35,846	09 Feb 2026	Voting Common Stock	35,846		Direct	F1, F6
holding	LOB	Restricted Stock Units						11,016	09 Feb 2026	Voting Common Stock	11,016		Direct	F1, F7

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock.
F2	The RSUs vest in five equal annual installments beginning on February 9, 2027, subject to the reporting person's continuous service to the Company or a related entity on such date.
F3	The RSUs vest in five equal annual installments beginning on February 10, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date.
F4	The RSUs vest in five equal annual installments beginning on February 22, 2022, subject to the reporting person's continuous service to the Company or a related entity on such date.
F5	The RSUs vest in five equal annual installments beginning on February 14, 2023, subject to the reporting person's continuous service to the Company or a related entity on such date.
F6	The RSUs vest in five equal annual installments beginning on February 13, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date.
F7	The RSUs vest in five equal annual installments beginning on February 12, 2025, subject to the reporting person's continuous service to the Company or a related entity on such date.