SUTHERLAND JOHN W. 4

4 · Live Oak Bancshares, Inc. · Filed Feb 25, 2026

Form 4

Period: 2026-02-23

Chief Accounting Officer

Transactions

Exercise/Conversion
Voting Common Stock
[F1]
2026-02-23+178→ 16,709 total
Tax Payment
Voting Common Stock
2026-02-23$38.30/sh−87$3,332→ 16,622 total
Exercise/Conversion
Restricted Stock Units
[F1][F2]
2026-02-23−178→ 0 total
→ Voting Common Stock (178 underlying)

Holdings

Restricted Stock Units
[F1][F3]
→ Voting Common Stock (316 underlying)
316
Restricted Stock Units
[F1][F4]
→ Voting Common Stock (2,629 underlying)
2,629
Restricted Stock Units
[F1][F5]
→ Voting Common Stock (1,423 underlying)
1,423
Restricted Stock Units
[F1][F6]
→ Voting Common Stock (2,754 underlying)
2,754
Restricted Stock Units
[F1][F7]
→ Voting Common Stock (2,280 underlying)
2,280

Footnotes (7)

[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 vested in five equal annual installments beginning on February 22, 2022.
[F3]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.
[F4]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.
[F5]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.
[F6]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.
[F7]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.

Signature

/s/ Jonathan A. Greene, By Power of Attorney|2026-02-25

Documents

1 file