Renato Derraik - 09 Feb 2026 Form 4/A - Amendment Insider Report for Live Oak Bancshares, Inc. (LOB)

Role: Chief Info./Digital Off., Bank
Signature: /s/ Jonathan A. Greene, By Power of Attorney
Issuer symbol: LOB
Transactions as of: 09 Feb 2026
Net transactions value: $0
Form type: 4/A - Amendment
Filing time: 11 Feb 2026, 20:34:04 UTC
Date Of Original Report: 11 Feb 2026
Previous filing: 13 Aug 2025
Next filing: 17 Feb 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Derraik Renato	Chief Info./Digital Off., Bank	1741 TIBURON DRIVE, WILMINGTON	/s/ Jonathan A. Greene, By Power of Attorney	11 Feb 2026	0001864098

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	+13,173		$0.000000	13,173	09 Feb 2026	Voting Common Stock	13,173		Direct	F1, F2

* 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.

Remarks:

On February 11, 2026, the reporting person filed a Form 4 which inadvertently reported that 10,778 restricted stock units were acquired. The Form 4 amendment is being filed to reflect the accurate number of restricted stock units that were acquired.