X0609 4 2026-08-19 0 0001462120 Live Oak Bancshares, Inc. LOB 0002030240 Cairns Michael false 1741 TIBURON DRIVE WILMINGTON NC 28403 0 1 0 0 Chief Credit Officer 0 Voting Common Stock 2026-08-19 4 M 0 2420 A 12604 D Voting Common Stock 2026-08-19 4 F 0 1076 40.89 D 11528 D Restricted Stock Units 2026-08-19 4 M 0 2420 0 D Voting Common Stock 2420 7260 D Restricted Stock Units Voting Common Stock 236 236 D Restricted Stock Units Voting Common Stock 1886 1886 D Restricted Stock Units Voting Common Stock 2838 2838 D Restricted Stock Units Voting Common Stock 5131 5131 D Restricted Stock Units Voting Common Stock 10778 10778 D Each restricted stock unit ("RSU") represents a contingent right to receive one share of Live Oak Bancshares, Inc. (the "Company") voting common stock. The RSUs vest in five equal annual installments beginning on August 19, 2025, subject to the reporting person's continuous service to the Company or a related entity on such date. 235 of the RSUs vested on each of December 15, 2024 and 2025, and 236 of the RSUs will vest on December 15, 2026, subject to the reporting person's continuous service to the Company or a related entity on such date. The RSUs vest in five equal annual installments beginning on December 9, 2024, subject to the reporting person's continuous service to the Company or a related entity on such date. 945 of the RSUs vested on December 9, 2024 and 946 of the RSUs vested on December 8, 2025, and 946 of the RSUs will vest on each of December 8, 2026, 2027, and 2028, subject to the reporting person's continuous service to the Company or a related entity on such date. 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. 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. /s/ Jonathan A. Greene, By Power of Attorney 2026-08-21