Other Events. On August 18, 2026, the Board of Directors of Live Oak Bancshares, Inc. (the “Company”) declared a cash dividend of $0.03 per share of Voting Common Stock and a cash dividend of $0.52344 per depositary share of its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, each such dividend payable on September 15, 2026 to shareholders of record as of September 1, 2026. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has…

Results of Operations and Financial Condition. On July 22, 2026, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the second quarter ended June 30, 2026. A copy of the press release announcing the Company’s results for the second quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of 1934,…

Principal Accounting Officer (PAO) — Matthew S. Diffley: Matthew S. Diffley was hired as the Principal Accounting Officer (PAO) of Live Oak Bancshares, Inc.

Chief Accounting Officer — J. Wesley Sutherland: Mr. Sutherland is retiring from his role as Chief Accounting Officer and will serve as a Senior Advisor until September 30, 2026.

The filing pertains to the approval of equity plans and does not involve a management change.

Other Events. On May 19, 2026, the Board of Directors of Live Oak Bancshares, Inc. (the “Company”) declared a cash dividend of $0.03 per share of Voting Common Stock and a cash dividend of $0.52344 per depositary share of its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, each such dividend payable on June 15, 2026 to shareholders of record as of June 2, 2026. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused t…

Results of Operations and Financial Condition. On April 22, 2026, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the first quarter ended March 31, 2026. A copy of the press release announcing the Company’s results for the first quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of 1934,…

Other Events. On February 19, 2026, the Board of Directors of Live Oak Bancshares, Inc. (the “Company”) declared a cash dividend of $0.03 per share of Voting Common Stock and a cash dividend of $0.52344 per depositary share of its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, each such dividend payable on March 15, 2026 to shareholders of record as of March 5, 2026. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly c…

The filing describes compensatory arrangements and equity awards to certain named executive officers.

Results of Operations and Financial Condition. On January 21, 2026, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the fourth quarter ended December 31, 2025. A copy of the press release announcing the Company’s results for the fourth quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of…

Chief Risk Officer — Ewa Stasiowska: Ms. Stasiowska was appointed as the new Chief Risk Officer, succeeding Mr. Seward.

Other Events. On November 18, 2025, the Board of Directors of Live Oak Bancshares, Inc. (the “Company”) declared a cash dividend of $0.03 per share of Voting Common Stock and a cash dividend of $0.52344 per depositary share of its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, each such dividend payable on December 15, 2025 to shareholders of record as of December 2, 2025. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has…

with its current independent registered public accounting firm, KPMG LLP, and management of the Company has discussed the matters with the Company’s prior independent registered public accounting firm, Forvis Mazars, LLP. 1 The following table presents the effect this correction is expected to have on the Consolidated Statements of Cash Flows for the periods indicated: (Dollars in thousands) As Previously Reported Adjustment As Adjusted Selected Cash Flow Data For the Three Months Ended March…

Results of Operations and Financial Condition. On October 22, 2025, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the third quarter ended September 30, 2025. A copy of the press release announcing the Company’s results for the third quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of…

Regulation FD Disclosure. On August 19, 2025, Computer Services Inc., (“CSI”) announced it had entered into a definitive agreement to acquire Apiture, Inc. (“Apiture”). Live Oak Banking Company, a wholly owned subsidiary of Live Oak Bancshares, Inc., (the “Company”) has an investment in Apiture. Under the terms of the agreement, a wholly owned subsidiary of CSI will merge with and into Apiture, with Apiture surviving the transaction as a wholly owned subsidiary of CSI (the “Transaction”). Upo…

Other Events. On August 19, 2025, the Board of Directors of Live Oak Bancshares, Inc. (the “Company”) declared a cash dividend of $0.03 per share of Voting Common Stock and a cash dividend of $0.23845 per depositary share of its 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, each such dividend payable on September 15, 2025 to shareholders of record as of September 2, 2025. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has…

Director — Jeffrey Williams Lunsford: Mr. Jeffrey Williams Lunsford was appointed as a Board member and will serve until the next annual meeting of shareholders.

Board member — Jeffrey Williams Lunsford: Appointment of Jeffrey Williams Lunsford as a Board member and to the Board of Live Oak Banking Company.

Entry into a Material Definitive Agreement. On July 28, 2025, Live Oak Bancshares, Inc. (the “Company”) entered into an Underwriting Agreement (the “Underwriting Agreement”) with Morgan Stanley & Co. LLC, RBC Capital Markets, LLC, UBS Securities LLC and Keefe, Bruyette & Woods, Inc., as representatives for the several underwriters named in the Underwriting Agreement (collectively, the “Underwriters”), pursuant to which the Company agreed to sell, and each Underwriter has severally and not joi…

Results of Operations and Financial Condition. On July 23, 2025, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the second quarter ended June 30, 2025. A copy of the press release announcing the Company’s results for the second quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of 1934,…

Other Events. On May 20, 2025, the Board of Directors of Live Oak Bancshares, Inc. (the “Company”) declared a cash dividend of $0.03 per share payable on June 17, 2025 to shareholders of record of the Company’s voting common stock as of June 3, 2025. 1 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. LIVE OAK BANCSHARES, INC. Date: May 20, 2025 By:…

Director — Patrick Timothy McHenry: Appointment of a new director to the Board.

Results of Operations and Financial Condition. On April 23, 2025, Live Oak Bancshares, Inc. (the “Company”) announced financial results for the first quarter ended March 31, 2025. A copy of the press release announcing the Company’s results for the first quarter is attached as Exhibit 99.1 hereto and incorporated by reference herein. The information contained in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of section 18 of the Securities Exchange Act of 1934,…

Director — Diane B. Glossman: Ms. Glossman decided not to stand for re-election to the Board of Directors.

Other Events. On February 11, 2025, the Board of Directors of Live Oak Bancshares, Inc. (the “Company”) declared a cash dividend of $0.03 per share payable on March 11, 2025 to shareholders of record of the Company’s voting common stock as of February 25, 2025. 1 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. LIVE OAK BANCSHARES, INC. Date: Febru…