# EDGAR Filing Document

**Accession Number:** 0001462120
**File Stem:** 0001462120-25-000110
**Filing Date:** 2025-12
**Character Count:** 8721
**Document Hash:** 98df788ad655d80d3c91a0adc765fe31
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001462120-25-000110.hdr.sgml**: 20251201

**ACCESSION NUMBER**: 0001462120-25-000110

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 16

**CONFORMED PERIOD OF REPORT**: 20251201

**ITEM INFORMATION**: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251201

**DATE AS OF CHANGE**: 20251201

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Live Oak Bancshares, Inc.
- **CENTRAL INDEX KEY:** 0001462120
- **STANDARD INDUSTRIAL CLASSIFICATION:** STATE COMMERCIAL BANKS [6022]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 264596286
- **STATE OF INCORPORATION:** NC
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 001-37497
- **FILM NUMBER:** 251539690

**BUSINESS ADDRESS:**
- **STREET 1:** 1741 TIBURON DRIVE
- **CITY:** WILMINGTON
- **STATE:** NC
- **ZIP:** 28403
- **BUSINESS PHONE:** 910-790-5867

**MAIL ADDRESS:**
- **STREET 1:** 1741 TIBURON DRIVE
- **CITY:** WILMINGTON
- **STATE:** NC
- **ZIP:** 28403

?xml version='1.0' encoding='ASCII'? lob-20251201

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**WASHINGTON, D.C. 20549**

**<u>FORM 8-K</u>** 

**CURRENT REPORT**

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): **December 1, 2025**

![LiveOakBancsharesLogo.jpg](lob-20251201_g1.jpg)

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| |
|:---|
| **LIVE OAK BANCSHARES, INC.** |
| (Exact name of registrant as specified in its charter) |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **North Carolina** | **North Carolina** | **North Carolina** | **001-37497** | **26-4596286** |
| (State or other jurisdiction of incorporation) | (State or other jurisdiction of incorporation) | (State or other jurisdiction of incorporation) | (Commission File Number) | (IRS Employer Identification No.) |
| **1741 Tiburon Drive,** | **Wilmington,** | **NC** |  | **28403** |
| (Address of principal executive offices) | (Address of principal executive offices) | (Address of principal executive offices) |  | (Zip Code) |

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Registrant's Telephone Number, Including Area Code: **(910) 790-5867**

---

| |
|:---|
| **Not Applicable** |
| (Former name or former address, if changed since last report) |

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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| | | |
|:---|:---|:---|
| Title of each class | Trading Symbol(s) | Name of each exchange on which registered |
| **Voting Common Stock, no par value per share** | **LOB** | **New York Stock Exchange LLC** |
| **Depositary Shares, Each Representing a 1/40th Interest in a Share of 8.375% Fixed Rate Series A Non-Cumulative Perpetual Preferred Stock, no par value per share** | **LOB/PA** | **New York Stock Exchange LLC** |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. □

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**Item 5.02. Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain** 

&nbsp;&nbsp;&nbsp;&nbsp;**Officers; Compensatory Arrangements of Certain Officers**

Effective December 1, 2025, Live Oak Bancshares, Inc. (the "Company"), appointed Ewa Stasiowska as Chief Risk Officer of the Company and its wholly owned subsidiary, Live Oak Banking Company (the "Bank"). Ms. Stasiowska succeeds Gregory W. Seward, who had served as Chief Risk Officer of the Company and the Bank since July 2022. Mr. Seward will remain General Counsel of the Company and the Bank.

A copy of the Company's press release regarding the appointment of Ms. Stasiowska is attached as Exhibit 99.1 to this Form 8-K.

**Item 9.01. Financial Statements and Exhibits.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(d) Exhibits

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| | |
|:---|:---|
| **Exhibit**<br>**Number** | **Description** |
| [99.1](exhibit991liveoakbancshare.htm) | [Press Release dated December 1, 2025](exhibit991liveoakbancshare.htm) |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

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**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.

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| | | |
|:---|:---|:---|
| | **LIVE OAK BANCSHARES, INC.** | **LIVE OAK BANCSHARES, INC.** |
| Date: December 1, 2025 | By: | /s/ Gregory W. Seward |
|  |  | Gregory W. Seward<br>General Counsel |

---

## Exhibit 99.1

**Exhibit 99.1**

**Ewa M. Stasiowska Joins Live Oak Bank as Chief Risk Officer**

WILMINGTON, NC, December 1, 2025 -- Live Oak Bancshares announced today that Ewa M. Stasiowska has been named Chief Risk Officer (CRO) of the company. Stasiowska also assumes the role of CRO of Live Oak Bank.

Stasiowska is a senior risk management executive with more than two decades of experience overseeing enterprise, financial, operational, and model risk functions within regulated financial institutions. Previously, she was Senior Managing Director at Webster Bank, where she was responsible for Enterprise, Model, and Financial Risk. While there, she led the design and implementation of enterprise-wide risk and control frameworks, strengthened governance structures, and advanced the organization's risk culture, accountability, and transparency.

"We're thrilled to welcome Ewa as Live Oak Bank's new Chief Risk Officer. She brings deep expertise in risk management and a proven track record of guiding financial institutions through dynamic growth," said Live Oak Chairman and CEO James S. (Chip) Mahan III. "As Live Oak continues to expand our reach to serve more business owners across the country, Ewa's leadership will be instrumental in ensuring we maintain the strength, stability, and innovative approach our customers rely on."

Greg Seward, Live Oak's General Counsel assumed the additional role of Chief Risk Officer in 2022. "Greg has performed admirably in both roles over the last three years. Now that the company has surpassed the $10 billion asset threshold, this is a natural inflection point to revisit the structure of these leadership responsibilities and delineate the roles as we continue to grow," said Live Oak President William C. (BJ) Losch III. "He remains our General Counsel, and we are confident his leadership will continue to drive excellence in critical areas for years to come."

Stasiowska has held senior leadership positions spanning enterprise risk management, operational risk, model risk, financial risk, loan review, and regulatory relations, including oversight of regulatory examinations and remediation initiatives.

"I'm excited to join Live Oak Bank, an industry leader in small business banking and innovation," said Stasiowska. "I look forward to leveraging my experience to further strengthen Live Oak's risk management practices in ways that safeguard the bank and support sustainable growth for our customers."

Stasiowska received a bachelor's degree in economics from Boston University and an MBA in Finance from the University of Connecticut.

**About Live Oak Bancshares**<br>Live Oak Bancshares, Inc. (NYSE: LOB) is a financial holding company and parent company of Live Oak Bank. Live Oak Bancshares and its subsidiaries partner with businesses that

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**Exhibit 99.1**

share a groundbreaking focus on service and technology to redefine banking. To learn more, visit <u>www.liveoak.bank</u>.

Contact:

Claire Parker \| Corporate Communications <br>910.597.1592<br><u>claire.parker@liveoak.bank</u>

<br>