Mark Michael Moroz - 12 Feb 2026 Form 4 Insider Report for Live Oak Bancshares, Inc. (LOB)

Role
Chief Banking Officer
Signature
/s/ Jonathan A. Greene, By Power of Attorney
Issuer symbol
LOB
Transactions as of
12 Feb 2026
Net transactions value
-$40,300
Form type
4
Filing time
17 Feb 2026, 18:12:04 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
Moroz Mark Michael Chief Banking Officer 1741 TIBURON DRIVE, WILMINGTON /s/ Jonathan A. Greene, By Power of Attorney 17 Feb 2026 0002066890

Transactions Table

Type Sym Class Transaction Value $ Shares Change % * Price $ Shares After Date Ownership Footnotes
transaction LOB Voting Common Stock Options Exercise +2,253 +23% 12,159 12 Feb 2026 Direct F1
transaction LOB Voting Common Stock Tax liability $40,300 -1,002 -8.2% $40.22 11,157 12 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 -2,253 -25% $0.000000 6,760 12 Feb 2026 Voting Common Stock 2,253 Direct F1, F2
holding LOB Restricted Stock Units 8,982 12 Feb 2026 Voting Common Stock 8,982 Direct F1, F3
holding LOB Restricted Stock Units 7,412 12 Feb 2026 Voting Common Stock 7,412 Direct F1, F4
holding LOB Restricted Stock Units 5,659 12 Feb 2026 Voting Common Stock 5,659 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 4,000 12 Feb 2026 Voting Common Stock 4,000 Direct F1, F7
holding LOB Restricted Stock Units 35,587 12 Feb 2026 Voting Common Stock 35,587 Direct F1, F8
* 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 four equal annual installments beginning on February 12, 2026, 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 9, 2027, 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 10, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date.
F5 The RSUs vest in three equal annual installments beginning on December 9, 2025, subject to the reporting person's continuous service to the Company or a related entity on such date.
F6 The RSUs vest in two equal annual installments beginning on February 14, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date.
F7 The RSUs will vest on February 22, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date.
F8 The RSUs vest in five equal annual installments beginning on May 19, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date.