Other Information
−Removed: Insider Trading Arrangements - During the quarter ended March 31, 2025, none of our directors or officers (as defined in Rule 16a-1(f) under the Exchange Act) adopted , modified or terminated a “Rule 10b5-1 trading arrangement” or a “non-Rule 10b5-1 trading arrangement” as such terms are defined in Item 408 of Regulation S-K).
+Added: Insider Trading Arrangements - During the quarter ended June 30, 2025, none of our directors or officers (as defined in Rule 16a-1(f) under the Exchange Act) adopted , modified or terminated a “Rule 10b5-1 trading arrangement” or a “non-Rule 10b5-1 trading arrangement” as such terms are defined in Item 408 of Regulation S-K.
Exhibits to this report are listed in the Index to Exhibits section of this report.
3 unchanged sentences
(incorporated by reference to Exhibit 3.1 of the registration statement on Form S-1, filed on June 19, 2015)
+Added: 3.2 Articles of Amendment designating the 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock (incorporated by reference to Exhibit 3.2 of the Form 8-A, filed on August 4, 2025)
3.3 Amended Bylaws of Live Oak Bancshares, Inc.
1 unchanged sentence
4.1 Form of Common Stock Certificate (incorporated by reference to Exhibit 4.1 of the registration statement on Form S-1, filed on June 19, 2015)
+Added: 4.2 Deposit Agreement, by and among Live Oak Bancshares, Inc., and Broadridge Corporate Issuer Solutions, LLC, and the Holders from time to time of the depositary receipts described therein (incorporated by reference to Exhibit 4.1 of the Current Report on Form 8-K, filed on August 4, 2025)
+Added: 4.3 Form of Depositary Receipt representing the Depositary Shares (included as Exhibit A to Exhibit 4.2 hereto) (incorporated by reference to Exhibit 4.2 of the Current Report on Form 8-K, filed on August 4, 2025)
+Added: 10.1 Form of 2025 RSU Award Agreement for non-employee directors* #
31.1 Certification of Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002*
2 unchanged sentences
101 Interactive data files pursuant to Rule 405 of Regulation S-T, formatted in Inline XBRL:
−Removed: (i) Condensed Consolidated Balance Sheets as of March 31, 2025 and December 31, 2024;
−Removed: (ii) Condensed Consolidated Statements of Income for the Three Months Ended March 31, 2025 and 2024;
−Removed: (iii) Condensed Consolidated Statements of Comprehensive Income for the Three Months Ended March 31, 2025 and 2024;
−Removed: (iv) Condensed Consolidated Statements of Changes in Shareholders’ Equity for the Three Months Ended March 31, 2025 and 2024;
−Removed: (v) Condensed Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2025 and 2024;
+Added: (i) Condensed Consolidated Balance Sheets as of June 30, 2025 and December 31, 2024;
+Added: (ii) Condensed Consolidated Statements of Income for the Three and Six Months Ended June 30, 2025 and 2024;
+Added: (iii) Condensed Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June 30, 2025 and 2024;
+Added: (iv) Condensed Consolidated Statements of Changes in Shareholders’ Equity for the Three and Six Months Ended June 30, 2025 and 2024;
+Added: (v) Condensed Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2025 and 2024;
and (vi) Notes to Unaudited Condensed Consolidated Financial Statements*
6 unchanged sentences
Live Oak Bancshares, Inc.
+Added: August 5, 2025
/ s / Walter J.
1 unchanged sentence
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.