Renato Derraik - 12 Feb 2026 Form 4 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
12 Feb 2026
Net transactions value
-$398,997
Form type
4
Filing time
17 Feb 2026, 18:10:19 UTC
Previous filing
11 Feb 2026
Next filing
19 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 17 Feb 2026 0001864098

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction LOB Voting Common Stock Options Exercise +4,256 +6.4% 70,300 12 Feb 2026 Direct F1
transaction LOB Voting Common Stock Tax liability $76,096 -1,892 -2.7% $40.22 68,408 12 Feb 2026 Direct
transaction LOB Voting Common Stock Options Exercise +17,923 +26% 86,331 13 Feb 2026 Direct F1
transaction LOB Voting Common Stock Tax liability $322,901 -7,965 -9.2% $40.54 78,366 13 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 Options Exercise $0 -4,256 -25% $0.000000 12,769 12 Feb 2026 Voting Common Stock 4,256 Direct F1, F2
transaction LOB Restricted Stock Units Options Exercise $0 -17,923 -33% $0.000000 35,846 13 Feb 2026 Voting Common Stock 17,923 Direct F1, F3
holding LOB Restricted Stock Units 13,173 12 Feb 2026 Voting Common Stock 13,173 Direct F1, F4
holding LOB Restricted Stock Units 12,543 12 Feb 2026 Voting Common Stock 12,543 Direct F1, F5
holding LOB Restricted Stock Units 3,160 12 Feb 2026 Voting Common Stock 3,160 Direct F1, F6
holding LOB Restricted Stock Units 25,000 12 Feb 2026 Voting Common Stock 25,000 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 12, 2025, 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 13, 2024, 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 9, 2027, 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 10, 2026, 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 14, 2023, 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 August 10, 2022, subject to the reporting person's continuous service to the Company or a related entity on such date.