What changed in this filing

/stocks — the workspaceLOADING

Item 5. Other Information

2026-08-04 compared with 2026-05-05 · 9 added, 14 removed, 26 unchanged (47% of the section changed)

Other Information

Seward , who serves as General Counsel of the Company , entered into a prearranged stock trading plan on February 27, 2026 .

Seward’s plan provides for the sale of up to 12,000 shares of his holdings of the Company’s voting common stock, no par value per share, in amounts and prices set forth in the plan and terminates on the earlier of the date all shares under the plan are sold or December 18, 2026 .

The trading plan was entered into during an open insider trading window and is intended to satisfy the affirmative defense of Rule 10b5-1(c) under the Exchange Act and the Company’s policies regarding transactions in its securities.

Williams, III , who serves as the Vice Chairman of our Board of Directors , entered into a prearranged stock trading plan on March 12, 2026 .

Williams’s plan provides for the sale of up to 50,000 shares of his holdings of the Company’s voting common stock, no par value per share, in amounts and prices set forth in the plan and terminates on the earlier of the date all shares under the plan are sold or December 31, 2026 .

Non-Rule 10b5-1 Trading Arrangements.

During the quarter ended March 31, 2026, none of our directors or officers (as defined in Rule 16a-1(f) under the Exchange Act) adopted , modified, or terminated a non-Rule 10b5-1 trading arrangement as such terms are defined in Item 408 of Regulation S-K.

During the quarter ended June 30, 2026, 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.

9 unchanged sentences

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)

10.1 F orm of 2026 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:

(i) Condensed Consolidated Balance Sheets as of March 31, 2026 and December 31, 2025;

(ii) Condensed Consolidated Statements of Income for the Three Months Ended March 31, 2026 and 2025;

(iii) Condensed Consolidated Statements of Comprehensive Income for the Three Months Ended March 31, 2026 and 2025;

(iv) Condensed Consolidated Statements of Changes in Shareholders’ Equity for the Three Months Ended March 31, 2026 and 2025;

(v) Condensed Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2026 and 2025;

(i) Condensed Consolidated Balance Sheets as of June 30, 2026 and December 31, 2025;

(ii) Condensed Consolidated Statements of Income for the Three and Six Months Ended June 30, 2026 and 2025;

(iii) Condensed Consolidated Statements of Comprehensive Income for the Three and Six Months Ended June 30, 2026 and 2025;

(iv) Condensed Consolidated Statements of Changes in Shareholders’ Equity for the Three and Six Months Ended June 30, 2026 and 2025;

(v) Condensed Consolidated Statements of Cash Flows for the Six Months Ended June 30, 2026 and 2025;

and (vi) Notes to Unaudited Condensed Consolidated Financial Statements*

6 unchanged sentences

Live Oak Bancshares, Inc.

August 4, 2026

/ 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.

What changed 10-Q

Item 5. Other Information