Velarion · Company Intelligence
Compensation Brief
Fiscal year 2025 · Filings through 2026-07-29

Live Oak Bancshares, Inc. (LOB)

Fiscal year 2025 executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.

$2,776,724
William C. Losch III total, FY2025
Presidenthighest-paid officer; CEO James S. Mahan III: $965,432
CEO (James S. Mahan III) pay percentile vs peers
5.9:1
CEO-to-median pay ratio
88.23%
Say-on-pay support, latest vote
Companies that benchmark against LOB
6 companies name LOB as a compensation peer

Each company listed discloses LOB in its own benchmarking peer group, as disclosed in each company's most recent proxy statement within the last two proxy seasons. Two companies are therefore absent by design: one that named LOB in an earlier year and no longer does, and one whose own most recent disclosure is older than the last two seasons.

01

Summary Compensation Table — fiscal year 2025

Named executive officerSalaryBonusStock awardsOption awardsNon-equity incentivePension / NQDCAll otherTotal
William C. Losch III$803,077$80,000$1,559,585$0$0$0$334,062$2,776,724
President
Mark M. Moroz446,05847,5001,300,75600053,7121,848,026
Chief Banking Officer
Walter J. Phifer373,75050,000812,08700047,8061,283,643
Chief Financial Officer
Renato Derraik602,30860,000541,51800051,7121,255,538
Chief Information and Digital Officer, & Interim Information Security Officer, Bank
James S. Mahan III512,56500000452,867965,432
Chairman and Chief Executive Officer

A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.

Three-year trend — total compensation per named executive

Named executive officerFY2025 totalFY2024 totalFY2023 totalΔ FY20242025
William C. Losch III$2,776,724
Mark M. Moroz1,848,026
Walter J. Phifer1,283,643
Renato Derraik1,255,5381,539,8173,792,936−284,279
James S. Mahan III965,432

Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.

02

Equity transactions since the proxy statement was filed

Every insider equity transaction reported on Form 4 after the 2025 proxy statement — acquisitions, dispositions, exercises, and withholdings — and therefore not reflected in any table in that document.

InsiderRoleTransaction dateCodeSharesPriceValueSecuritySource
Renato DerraikChief Info./Digital Off., Bank2026-04-30D75,000$38$2,837,100CommonForm 4 ↗
Jeffrey W. LunsfordDirector2026-05-01A1,890CommonForm 4 ↗
Miltom E. PettyDirector2026-05-01A2,946CommonForm 4 ↗
Patrick T. McHenryDirector2026-05-01A3,080CommonForm 4 ↗
Patrick T. McHenryDirector2026-05-01D3,08000Derivative, Class A CommonForm 4 ↗
Yousef A. ValineDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
Tonya W. BradfordDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
Yousef A. ValineDirector2026-05-01A2,946CommonForm 4 ↗
Tonya W. BradfordDirector2026-05-01A2,946CommonForm 4 ↗
David G. LuchtDirector2026-05-01A2,946CommonForm 4 ↗
William H. CameronDirector2026-05-01A2,946CommonForm 4 ↗
David G. LuchtDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
Miltom E. PettyDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
Dividend-equivalent accruals2026-05-011,8901 insider, 1 accrual row
William H. CameronDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-13D10,00036359,620CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-14D10,00036362,260CommonForm 4 ↗
Jeffrey W. LunsfordDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
Miltom E. PettyDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
Patrick T. McHenryDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
David G. LuchtDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
Yousef A. ValineDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
Tonya W. BradfordDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
William H. CameronDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-20D9,64537355,180CommonForm 4 ↗
Mark M. MorozChief Banking Officer2026-05-20A7,117CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-20D3553713,189CommonForm 4 ↗
Mark M. MorozChief Banking Officer2026-05-20D7,11700Derivative, Class A CommonForm 4 ↗
Mark M. MorozChief Banking Officer2026-05-20D3,16336114,501CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-21D6,61237244,129CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-21D3,38837126,787CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-27D10,00038376,513CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-27D10,00037372,481CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-03D9,92137369,657CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-03D79382,974CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-03D9,36336341,012CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-03D6373723,659CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-10D9153935,870CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-10D10,00038381,851CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-10D9,08539351,451CommonForm 4 ↗
William L. Williams IIIDirector2026-06-24D8,40040336,454CommonForm 4 ↗
William L. Williams IIIDirector2026-07-01D2,60441107,372CommonForm 4 ↗
William L. Williams IIIDirector2026-07-01D5,79642242,134CommonForm 4 ↗
David G. LuchtDirector2026-07-27D3,00042126,396CommonForm 4 ↗
Mark M. MorozChief Banking Officer2026-07-28D6,10042256,670CommonForm 4 ↗

Transaction codes per Form 4: A acquisition · S open-market sale · F tax withholding · M option exercise · G gift. Value = shares × price as reported. Dividend-equivalent and fractional-share accrual rows (derivative Class A, under $10,000 and under 2,000 shares) are aggregated per date; every row appears in full below.

View all 45 transactions
InsiderRoleTransaction dateCodeSharesPriceValueSecuritySource
Renato DerraikChief Info./Digital Off., Bank2026-04-30D75,000$38$2,837,100CommonForm 4 ↗
Jeffrey W. LunsfordDirector2026-05-01A1,890CommonForm 4 ↗
Miltom E. PettyDirector2026-05-01A2,946CommonForm 4 ↗
Patrick T. McHenryDirector2026-05-01A3,080CommonForm 4 ↗
Patrick T. McHenryDirector2026-05-01D3,08000Derivative, Class A CommonForm 4 ↗
Yousef A. ValineDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
Tonya W. BradfordDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
Yousef A. ValineDirector2026-05-01A2,946CommonForm 4 ↗
Tonya W. BradfordDirector2026-05-01A2,946CommonForm 4 ↗
David G. LuchtDirector2026-05-01A2,946CommonForm 4 ↗
William H. CameronDirector2026-05-01A2,946CommonForm 4 ↗
David G. LuchtDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
Miltom E. PettyDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
Jeffrey W. LunsfordDirector2026-05-01D1,89000Derivative, Class A CommonForm 4 ↗
William H. CameronDirector2026-05-01D2,94600Derivative, Class A CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-13D10,00036359,620CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-14D10,00036362,260CommonForm 4 ↗
Jeffrey W. LunsfordDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
Miltom E. PettyDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
Patrick T. McHenryDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
David G. LuchtDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
Yousef A. ValineDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
Tonya W. BradfordDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
William H. CameronDirector2026-05-19A2,48600Derivative, Class A CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-20D9,64537355,180CommonForm 4 ↗
Mark M. MorozChief Banking Officer2026-05-20A7,117CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-20D3553713,189CommonForm 4 ↗
Mark M. MorozChief Banking Officer2026-05-20D7,11700Derivative, Class A CommonForm 4 ↗
Mark M. MorozChief Banking Officer2026-05-20D3,16336114,501CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-21D6,61237244,129CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-21D3,38837126,787CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-27D10,00038376,513CommonForm 4 ↗
James S. Mahan IIIDirector2026-05-27D10,00037372,481CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-03D9,92137369,657CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-03D79382,974CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-03D9,36336341,012CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-03D6373723,659CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-10D9153935,870CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-10D10,00038381,851CommonForm 4 ↗
James S. Mahan IIIDirector2026-06-10D9,08539351,451CommonForm 4 ↗
William L. Williams IIIDirector2026-06-24D8,40040336,454CommonForm 4 ↗
William L. Williams IIIDirector2026-07-01D2,60441107,372CommonForm 4 ↗
William L. Williams IIIDirector2026-07-01D5,79642242,134CommonForm 4 ↗
David G. LuchtDirector2026-07-27D3,00042126,396CommonForm 4 ↗
Mark M. MorozChief Banking Officer2026-07-28D6,10042256,670CommonForm 4 ↗
03

Grants of plan-based awards — fiscal year 2025

ExecutiveAwardGrant dateThresholdTargetGrantedMaximumGrant-date fair value
William C. Losch IIIRSU2025-02-1045,153$1,559,585
Mark M. MorozRSU2025-02-109,264319,979
Walter J. PhiferRSU2025-02-109,264319,979
Walter J. PhiferRSU2025-08-1814,581492,109
Renato DerraikRSU2025-02-1015,678541,518
Mark M. MorozRSU2025-05-1935,587980,778
James S. Mahan IIIOTHER
03b

Vehicle mix — grant-date fair value by award type

Named executive officerTime-vested (RSU)Performance-vested (PSU)Options / SARs% performance-vested
William C. Losch III$1,559,585$0$00.0%
Mark M. Moroz1,300,757000.0%
Walter J. Phifer812,088000.0%
Renato Derraik541,518000.0%

% performance-vested = PSU grant-date fair value ÷ (RSU + PSU + Options), a computed value with the derivation shown in the register.

04

Outstanding equity awards at fiscal year-end 2025

ExecutiveAwardShares unvestedExercise priceMarket value unvested
Walter J. PhiferRSU35,306$1,212,761
William C. Losch IIIRSU337,51611,593,675
Renato DerraikRSU114,6323,937,609
Mark M. MorozRSU66,6832,290,561
05

Incentive-plan design — the Compensation Discussion & Analysis

The Committee and our leadership team believe strongly that delivering on this mission will build long-term shareholder value, and the Committee has designed a compensation program intended to motivate employees, and particularly our leadership team, to successfully execute this mission.

CEO STI target (% of salary)
CEO LTI target (% of salary)
Independent consultantnot disclosed
Clawback policytrue
Anti-hedgingtrue
Anti-pledgingtrue
06

Say-on-pay — recent advisory votes

Meeting yearMeeting dateForAgainstAbstainSupportOutcome
20262026-05-1931,451,5674,197,28035,51288.23%Passed
20252025-05-2023,718,67911,611,71061,11067.13%Passed
20242024-05-2125,458,7687,841,28964,83276.45%Passed
20232023-05-1630,410,6695,014,188141,71885.85%Passed
20222022-05-1723,024,36611,939,11267,61165.85%Passed
20212021-05-1130,106,8452,391,45729,05092.64%Passed

Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year's compensation.

Say-on-pay — history, company's computation

Meeting yearMeeting dateApproval — company's computation
20262026-05-1988.23%a
20252025-05-2067.13%b
20242024-05-2176.45%c

a. Approved under the standard stated in the filing — “Abstentions and broker non-votes will have no effect on the outcome of this proposal.”.

b. Approved under the standard stated in the filing — “Abstentions and broker non-votes will have no effect on the outcome of this proposal.”.

c. Approved under the standard stated in the filing — “Abstentions and broker non-votes will have no effect on the outcome of this proposal.”.

Approval percentages are the company's own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.

07

CEO pay ratio

Ratio (CEO : median employee)5.9 : 1
CEO total compensation$965,432
Median employee compensation$162,439
08

Director compensation — fiscal year 2025

DirectorCash feesStock awardsOption awardsNon-equity incentiveAll otherTotal
David G. LuchtIndependent · Risk (Chair) · Compensation · Nominating and Corporate Governance$103,333$82,635$0$0$185,968
Yousef A. ValineIndependent · Audit (Chair) · Risk · Nominating and Corporate Governance97,00082,63500179,635
William H. CameronIndependent · Compensation (Chair) · Audit90,00082,63500172,635
Miltom E. PettyIndependent · Audit · Nominating and Corporate Governance72,00082,63500154,635
Tonya W. BradfordIndependent · Risk · Compensation72,00082,63500154,635
Neil L. UnderwoodNot independent00123,639123,639
Patrick T. McHenryIndependent · Partial-year service · Newly elected36,61382,39000119,003
Jeffrey W. LunsfordIndependent · Partial-year service · Newly elected23,22662,6160085,842
James S. Mahan IIIEmployee director · Board Chair00000
William L. Williams IIIEmployee director00000
09

Board fee structure and ownership guideline

Annual cash retainer$60,000
Annual equity retainer$82,635
Per board meeting fee
Committee chair fees (audit / comp / nom-gov)25,000 / 18,000 / 13,000
Stock ownership guideline
09b

Total cost of the board

ComponentFY2025
Cash retainers and fees$494,172
Equity awards (grant-date value)$558,181
All other compensation$123,639
Total cost of the board$1,175,992

Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.

10b

Chief executive pay against the peer group

Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.

RankCompanyFYChief executiveSalaryStock awardsOption awardsNon-equity incentiveTotal
1Live Oak Bancshares, Inc.2025James S. Mahan III$512,565$0$0$0$965,432

Each peer's compensation is from its most recently filed proxy; fiscal years differ by company. Each peer's figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.

11

Source register

Each figure's location is given both for the eye (section · page · table · row · column) and for a script (table/row/column index and exact character span in the filed document). Any figure can be independently confirmed against the source.

#SupportsDocumentFiledAccessionLocation in document
1Section 01, William C. Losch IIIDEF 14A2026-04-020001462120-26-000030Section “Summary Compensation and Other Tables”. As printed: 2,776,724. Filing ↗machine: t22 · r7 · c23 · span 402317–402326
2Section 01, Mark M. MorozDEF 14A2026-04-020001462120-26-000030Section “Summary Compensation and Other Tables”. As printed: 1,848,026. Filing ↗machine: t22 · r19 · c23 · span 429308–429317
3Section 01, Walter J. PhiferDEF 14A2026-04-020001462120-26-000030Section “Summary Compensation and Other Tables”. As printed: 1,283,643. Filing ↗machine: t22 · r11 · c23 · span 411507–411516
4Section 01, Renato DerraikDEF 14A2026-04-020001462120-26-000030Section “Summary Compensation and Other Tables”. As printed: 1,255,538. Filing ↗machine: t22 · r15 · c23 · span 420697–420706
5Section 01, James S. Mahan IIIDEF 14A2026-04-020001462120-26-000030Section “Summary Compensation and Other Tables”. As printed: 965,432. Filing ↗machine: t22 · r3 · c23 · span 393168–393175
6Section 03, William C. Losch III RSUDEF 14A2026-04-020001462120-26-000030Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t23 · r4 · c17 · span 451427–451436
7Section 03, Mark M. Moroz RSUDEF 14A2026-04-020001462120-26-000030Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t23 · r8 · c17 · span 465043–465050
8Section 03, Walter J. Phifer RSUDEF 14A2026-04-020001462120-26-000030Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t23 · r5 · c17 · span 454905–454912
9Section 03, Walter J. Phifer RSUDEF 14A2026-04-020001462120-26-000030Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t23 · r6 · c16 · span 458127–458134
10Section 03, Renato Derraik RSUDEF 14A2026-04-020001462120-26-000030Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t23 · r7 · c17 · span 461570–461577
11Section 03, Mark M. Moroz RSUDEF 14A2026-04-020001462120-26-000030Section “Grants of Plan-Based Awards” · grants of plan-based awards table. Filing ↗machine: t23 · r9 · c16 · span 468165–468172
12Section 03, James S. Mahan III OTHERDEF 14ASection “Executive Compensation” · grants of plan-based awards table.
13Section 07, pay ratioDEF 14A2026-04-020001462120-26-000030Section “CEO Pay Ratio”. As printed: 5.9 : 1. Filing ↗
14Section 08, David G. LuchtDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 185,968. Filing ↗machine: t32 · r5 · c14 · span 667516–667523
15Section 08, Yousef A. ValineDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 179,635. Filing ↗machine: t32 · r10 · c14 · span 679148–679155
16Section 08, William H. CameronDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 172,635. Filing ↗machine: t32 · r4 · c14 · span 665206–665213
17Section 08, Miltom E. PettyDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 154,635. Filing ↗machine: t32 · r8 · c14 · span 674795–674802
18Section 08, Tonya W. BradfordDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 154,635. Filing ↗machine: t32 · r3 · c19 · span 662904–662911
19Section 08, Neil L. UnderwoodDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 123,639. Filing ↗machine: t32 · r9 · c11 · span 676588–676595
20Section 08, Patrick T. McHenryDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 119,003. Filing ↗machine: t32 · r7 · c14 · span 672496–672503
21Section 08, Jeffrey W. LunsfordDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 85,842. Filing ↗machine: t32 · r6 · c14 · span 670007–670013
22Section 08, James S. Mahan IIIDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 0. Filing ↗
23Section 08, William L. Williams IIIDEF 14A2026-04-020001462120-26-000030Section “Director Compensation”. As printed: 0. Filing ↗
24Section 02, Renato Derraik 2026-04-30Form 42026-05-040001864098-26-000010Insider equity transaction reported since the proxy statement. Filing ↗
25Section 02, Jeffrey W. Lunsford 2026-05-01Form 42026-05-050001297515-26-000009Insider equity transaction reported since the proxy statement. Filing ↗
26Section 02, Miltom E. Petty 2026-05-01Form 42026-05-050001647098-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
27Section 02, Patrick T. McHenry 2026-05-01Form 42026-05-050002070216-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
28Section 02, Patrick T. McHenry 2026-05-01Form 42026-05-050002070216-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
29Section 02, Yousef A. Valine 2026-05-01Form 42026-05-050001478836-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
30Section 02, Tonya W. Bradford 2026-05-01Form 42026-05-050001824584-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
31Section 02, Yousef A. Valine 2026-05-01Form 42026-05-050001478836-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
32Section 02, Tonya W. Bradford 2026-05-01Form 42026-05-050001824584-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
33Section 02, David G. Lucht 2026-05-01Form 42026-05-050001231645-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
34Section 02, William H. Cameron 2026-05-01Form 42026-05-050001373716-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
35Section 02, David G. Lucht 2026-05-01Form 42026-05-050001231645-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
36Section 02, Miltom E. Petty 2026-05-01Form 42026-05-050001647098-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
37Section 02, Jeffrey W. Lunsford 2026-05-01Form 42026-05-050001297515-26-000009Insider equity transaction reported since the proxy statement. Filing ↗
38Section 02, William H. Cameron 2026-05-01Form 42026-05-050001373716-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
39Section 02, James S. Mahan III 2026-05-13Form 42026-05-150001036743-26-000015Insider equity transaction reported since the proxy statement. Filing ↗
40Section 02, James S. Mahan III 2026-05-14Form 42026-05-180001036743-26-000017Insider equity transaction reported since the proxy statement. Filing ↗
41Section 02, Jeffrey W. Lunsford 2026-05-19Form 42026-05-210001297515-26-000006Insider equity transaction reported since the proxy statement. Filing ↗
42Section 02, Miltom E. Petty 2026-05-19Form 42026-05-210001647098-26-000004Insider equity transaction reported since the proxy statement. Filing ↗
43Section 02, Patrick T. McHenry 2026-05-19Form 42026-05-210002070216-26-000004Insider equity transaction reported since the proxy statement. Filing ↗
44Section 02, David G. Lucht 2026-05-19Form 42026-05-210001231645-26-000004Insider equity transaction reported since the proxy statement. Filing ↗
45Section 02, Yousef A. Valine 2026-05-19Form 42026-05-210001478836-26-000004Insider equity transaction reported since the proxy statement. Filing ↗
46Section 02, Tonya W. Bradford 2026-05-19Form 42026-05-210001824584-26-000005Insider equity transaction reported since the proxy statement. Filing ↗
47Section 02, William H. Cameron 2026-05-19Form 42026-05-210001373716-26-000004Insider equity transaction reported since the proxy statement. Filing ↗
48Section 02, James S. Mahan III 2026-05-20Form 42026-05-210001036743-26-000019Insider equity transaction reported since the proxy statement. Filing ↗
49Section 02, Mark M. Moroz 2026-05-20Form 42026-05-210002066890-26-000010Insider equity transaction reported since the proxy statement. Filing ↗
50Section 02, James S. Mahan III 2026-05-20Form 42026-05-210001036743-26-000019Insider equity transaction reported since the proxy statement. Filing ↗
51Section 02, Mark M. Moroz 2026-05-20Form 42026-05-210002066890-26-000010Insider equity transaction reported since the proxy statement. Filing ↗
52Section 02, Mark M. Moroz 2026-05-20Form 42026-05-210002066890-26-000010Insider equity transaction reported since the proxy statement. Filing ↗
53Section 02, James S. Mahan III 2026-05-21Form 42026-05-260001036743-26-000021Insider equity transaction reported since the proxy statement. Filing ↗
54Section 02, James S. Mahan III 2026-05-21Form 42026-05-260001036743-26-000021Insider equity transaction reported since the proxy statement. Filing ↗
55Section 02, James S. Mahan III 2026-05-27Form 42026-05-290001036743-26-000023Insider equity transaction reported since the proxy statement. Filing ↗
56Section 02, James S. Mahan III 2026-05-27Form 42026-05-290001036743-26-000023Insider equity transaction reported since the proxy statement. Filing ↗
57Section 02, James S. Mahan III 2026-06-03Form 42026-06-050001036743-26-000025Insider equity transaction reported since the proxy statement. Filing ↗
58Section 02, James S. Mahan III 2026-06-03Form 42026-06-050001036743-26-000025Insider equity transaction reported since the proxy statement. Filing ↗
59Section 02, James S. Mahan III 2026-06-03Form 42026-06-050001036743-26-000025Insider equity transaction reported since the proxy statement. Filing ↗
60Section 02, James S. Mahan III 2026-06-03Form 42026-06-050001036743-26-000025Insider equity transaction reported since the proxy statement. Filing ↗
61Section 02, James S. Mahan III 2026-06-10Form 42026-06-120001036743-26-000027Insider equity transaction reported since the proxy statement. Filing ↗
62Section 02, James S. Mahan III 2026-06-10Form 42026-06-120001036743-26-000027Insider equity transaction reported since the proxy statement. Filing ↗
63Section 02, James S. Mahan III 2026-06-10Form 42026-06-120001036743-26-000027Insider equity transaction reported since the proxy statement. Filing ↗
64Section 02, William L. Williams III 2026-06-24Form 42026-06-250001635831-26-000002Insider equity transaction reported since the proxy statement. Filing ↗
65Section 02, William L. Williams III 2026-07-01Form 42026-07-060001635831-26-000004Insider equity transaction reported since the proxy statement. Filing ↗
66Section 02, William L. Williams III 2026-07-01Form 42026-07-060001635831-26-000004Insider equity transaction reported since the proxy statement. Filing ↗
67Section 02, David G. Lucht 2026-07-27Form 42026-07-290001231645-26-000006Insider equity transaction reported since the proxy statement. Filing ↗
68Section 02, Mark M. Moroz 2026-07-28Form 42026-07-290002066890-26-000012Insider equity transaction reported since the proxy statement. Filing ↗
69Section 06, 2026 voteForm 8-K2026-05-220001462120-26-000045Item 5.07 · say-on-pay result. As reported: 88.23% (votes for as printed: 31,451,567). Filing ↗
70Section 06, 2025 voteForm 8-K2025-05-220001462120-25-000046Item 5.07 · say-on-pay result. As reported: 67.13% (votes for as printed: 23,718,679). Filing ↗
71Section 06, 2024 voteForm 8-K2024-05-230001462120-24-000042Item 5.07 · say-on-pay result. As reported: 76.45% (votes for as printed: 25,458,768). Filing ↗
72Section 01 trend, Δ column (computed)ComputedcomputedΔ = current-FY total − prior-FY total per named officer.machine: formula: Δ = FY(n) − FY(n−1)
73Section 03b vehicle mix (computed)ComputedcomputedRSU / PSU / Options grant-date fair values summed per officer from the grants table; % performance-vested = PSU ÷ (RSU+PSU+Options).machine: formula: sums + PSU ratio
74Section 09b board cost (computed)ComputedcomputedCash 494,172 + equity 558,181 + all other 123,639 = 1,175,992, summed across the director compensation table rows.machine: formula: Σ = 1,175,992
75Live Oak Bancshares, Inc. (subject), Section 10b CEO totalDEF 14A2026-04-020001462120-26-000030CEO total compensation as printed in Live Oak Bancshares, Inc.'s own proxy. As printed: 965,432. Filing ↗machine: t22 · r3 · c23 · span 393168–393175