# Live Oak Bancshares, Inc. > Alpha governed public record. Unknown, unavailable, and unpublished values are never inferred as zero. ## Record | Field | Value | | --- | --- | | Representation | alpha-profile-markdown-v4 | | Protocol | Alpha Governance Facts Protocol 0.1 | | Schema | alpha.governance.entity.public.v1 | | Record version | public-1:ro-d751713988987e9331980363e24189ce | | Governance record representation | alpha-governance-record-v2 | | Canonical entity | alpha:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9 | | Entity type | Company | | Canonical URL | https://registry.alpha.ac/companies/live-oak-bancshares-inc | | Publication | PUBLISHED | | Verification | source_reported | | Verification schema | alpha-verification-states-v1 | | Ownership | unclaimed | | Published claims | 15 | | Claims under review | 1 | | Evidence records | 11 | | Conflicts | 0 | | Conflicts in internal review | 0 | | Observed | 2026-10-29T05:23:23.092914+00:00 | | Last reviewed | 2026-10-29T05:23:23.092914+00:00 | ## Identity - Legal name: Live Oak Bancshares, Inc. - Display name: Live Oak Bancshares, Inc. ## Alpha Governance Record | Field | Value | | --- | --- | | Governance Record schema | alpha-governance-record-v2 | | Ontology | alpha-governance-ontology-v1 | | Record version | public-1:ro-d751713988987e9331980363e24189ce | | As of | 2026-10-29T05:23:23.092914+00:00 | | Completeness | 0.318 | | Record Quality | 0.823 | | Directors | 0 | | Committees | 0 | | Governance events | 10 | | Entity class | public_company | ## Section coverage | Section | State | | --- | --- | | identity | PUBLISHED | | corporate_structure | NOT_REVIEWED | | board | NOT_REVIEWED | | committees | NOT_REVIEWED | | leadership | PUBLISHED | | ownership | NOT_REVIEWED | | financials | NOT_REVIEWED | | capital_structure | PUBLISHED | | compensation | NOT_REVIEWED | | governance | NOT_REVIEWED | | shareholder_governance | NOT_REVIEWED | | audit | NOT_REVIEWED | | legal | NOT_REVIEWED | | risk | NOT_REVIEWED | | cyber | NOT_REVIEWED | | ai_governance | NOT_REVIEWED | | agent_governance | RESTRICTED | | markets_external | NOT_REVIEWED | | events | PUBLISHED | | relationships | PUBLISHED | | assessments | PUBLISHED | | evidence | PUBLISHED | ## Executive leadership - Courtney C. Spencer: Chief Experience Officer. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:5 - Ewa M. Stasiowska: Chief Risk Officer [CRO]. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:6 - Gregory W. Seward: General Counsel [GC]. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:7 - J. Wesley Sutherland: Chief Accounting Officer [CAO]. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:8 - James S. Mahan III: Chairman and Chief Executive Officer [CEO]. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:9 - Mark M. Moroz: Chief Banking Officer. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:10 - Michael J. Cairns: Chief Credit Officer. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:11 - Renato Derraik: Chief Information and Digital Officer, Interim Information Security Officer. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:12 - Walter J. Phifer: Chief Financial Officer [CFO]. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:13 - William C. Losch III: President [PRESIDENT]. Status: current. claim_id=alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:14 ## Governance events - EXECUTIVE_APPOINTED: Courtney C. Spencer executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:q293iv1yh22wh - EXECUTIVE_APPOINTED: Ewa M. Stasiowska executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:1sg6bap1mk3dsl - GC_CHANGED: Gregory W. Seward executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:am4g4k14t36l8 - EXECUTIVE_APPOINTED: J. Wesley Sutherland executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:wvr9p4y9f52e - CEO_CHANGED: James S. Mahan III executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:jg9pq11q70iuz - EXECUTIVE_APPOINTED: Mark M. Moroz executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:ldk76912xf3r5 - EXECUTIVE_APPOINTED: Michael J. Cairns executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:1tw92s5tq2z8d - EXECUTIVE_APPOINTED: Renato Derraik executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:cdyxwi1e0i1v4 - CFO_CHANGED: Walter J. Phifer executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:1b7klaxsot23l - EXECUTIVE_APPOINTED: William C. Losch III executive of Live Oak Bancshares, Inc., effective 2026-04-02. Effective: 2026-04-02. Detected: 2026-10-29T05:23:23.092914+00:00. event_id=alpha:event:transition:13klknyvseqpg ## Scoped resources - `alpha://company/live-oak-bancshares-inc` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record - `alpha://company/live-oak-bancshares-inc/identity` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=identity - `alpha://company/live-oak-bancshares-inc/corporate-structure` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=corporate-structure - `alpha://company/live-oak-bancshares-inc/board` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=board - `alpha://company/live-oak-bancshares-inc/committees` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=committees - `alpha://company/live-oak-bancshares-inc/leadership` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=leadership - `alpha://company/live-oak-bancshares-inc/ownership` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=ownership - `alpha://company/live-oak-bancshares-inc/financials` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=financials - `alpha://company/live-oak-bancshares-inc/capital-structure` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=capital-structure - `alpha://company/live-oak-bancshares-inc/compensation` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=compensation - `alpha://company/live-oak-bancshares-inc/governance` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=governance - `alpha://company/live-oak-bancshares-inc/shareholder-governance` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=shareholder-governance - `alpha://company/live-oak-bancshares-inc/audit` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=audit - `alpha://company/live-oak-bancshares-inc/legal` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=legal - `alpha://company/live-oak-bancshares-inc/risk` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=risk - `alpha://company/live-oak-bancshares-inc/cyber` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=cyber - `alpha://company/live-oak-bancshares-inc/ai-governance` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=ai-governance - `alpha://company/live-oak-bancshares-inc/agents` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=agents - `alpha://company/live-oak-bancshares-inc/ecosystem` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=ecosystem - `alpha://company/live-oak-bancshares-inc/events` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=events - `alpha://company/live-oak-bancshares-inc/relationships` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=relationships - `alpha://company/live-oak-bancshares-inc/assessments` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=assessments - `alpha://company/live-oak-bancshares-inc/evidence` (contract): https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record§ion=evidence ## Role modules - NOT_ASSERTED ## Attention - NO_RECORDS_FOUND ## Committee data - NO_RECORDS_FOUND ## Leadership - Courtney C. Spencer: Chief Experience Officer. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:5. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:b33757b43c052634dbbaf4b5091010282cface6f2d682d9b3069e9f89d73578d. - Ewa M. Stasiowska: Chief Risk Officer. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:6. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:8572c795a8048ee558868238b96f0f744dd75aaec507b50831511b24a38ca62e. - Gregory W. Seward: General Counsel. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:7. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:e71beb6e7fc0cd2b90ae1d375169aaa2fd0082781f5753f64b23c0636770b284. - J. Wesley Sutherland: Chief Accounting Officer. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:8. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:6fe0519a7d8b5d56f085b745926f2a14698dcf017e77e575e9cb2c3934227586. - James S. Mahan III: Chairman and Chief Executive Officer. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:9. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:a1c0ae553139107494e77ab03e8a4331afc8c35231d544adcd350c003fa363eb. - Mark M. Moroz: Chief Banking Officer. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:10. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:d25ff321268322f166a77a6747e3c47be8b072faf1ce82348cdd9563f32a9f43. - Michael J. Cairns: Chief Credit Officer. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:11. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:24de5f526d61e7e73e2d6a2a5698fb06e3f564a5707850aaf05e833d5858eb7c. - Renato Derraik: Chief Information and Digital Officer, Interim Information Security Officer. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:12. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:0b7a4b265932171bfacfd99a05140a81730bd9058fd2ed1ce2cfaa7e9e2c3368. - Walter J. Phifer: Chief Financial Officer. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:13. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:d84fe3ddae7d0436412fa0d9d5505c5863aa246724cc017abfd9641fab5a9295. - William C. Losch III: President. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:leadership_role:14. Valid from: 2026-04-02. Valid to: NOT_ASSERTED. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:document:ed87b50023ed0c52fe96e7eea0cd2c2e9060f222155de9f79e5783ad7a91f5b2. ## Roles - PUBLISHED ## Governance - NOT_ASSERTED ## Board committees - NOT_ASSERTED ## Financials - NOT_ASSERTED ## Workforce - NOT_ASSERTED ## Market and index context - PUBLISHED ## Legal Name - Live Oak Bancshares, Inc.. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:legal_name:1. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:91706ffaabdc67154728abb9468767f1ca249d9a49c0fe054a79be2bd513dea6. ## Entity Status - Public listing published. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:entity_status:3. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:91706ffaabdc67154728abb9468767f1ca249d9a49c0fe054a79be2bd513dea6. ## Published Fact - US. Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:published_fact:4. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:91706ffaabdc67154728abb9468767f1ca249d9a49c0fe054a79be2bd513dea6. ## Security Listing - LOB (NYSE). Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:security_listing:15. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:91706ffaabdc67154728abb9468767f1ca249d9a49c0fe054a79be2bd513dea6. - LOB-PA (NYSE). Claim: alpha:claim:company:d0241a7c-e6c7-4c24-b869-7d4ad50a53e9:security_listing:16. Publication: PUBLISHED. Verification: source_reported. Assertion: source_reported. Evidence: alpha:projection-evidence:91706ffaabdc67154728abb9468767f1ca249d9a49c0fe054a79be2bd513dea6. ## Coverage states | Field | Value | | --- | --- | | Identity | PUBLISHED | | Business | PUBLISHED | | Leadership | PUBLISHED | | Board and committees | NOT_ASSERTED | | Governance | NOT_ASSERTED | | Financials | NOT_ASSERTED | | Workforce | NOT_ASSERTED | | Ownership | NOT_ASSERTED | | Ratings | NOT_PUBLISHED | | Market and index context | PUBLISHED | ## Public sources - alpha:projection-evidence:91706ffaabdc67154728abb9468767f1ca249d9a49c0fe054a79be2bd513dea6: [Alpha canonical company public projection](https://www.alpha.ac/api/public/companies/live-oak-bancshares-inc). - alpha:projection-evidence:document:b33757b43c052634dbbaf4b5091010282cface6f2d682d9b3069e9f89d73578d: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:8572c795a8048ee558868238b96f0f744dd75aaec507b50831511b24a38ca62e: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:e71beb6e7fc0cd2b90ae1d375169aaa2fd0082781f5753f64b23c0636770b284: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:6fe0519a7d8b5d56f085b745926f2a14698dcf017e77e575e9cb2c3934227586: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:a1c0ae553139107494e77ab03e8a4331afc8c35231d544adcd350c003fa363eb: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:d25ff321268322f166a77a6747e3c47be8b072faf1ce82348cdd9563f32a9f43: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:24de5f526d61e7e73e2d6a2a5698fb06e3f564a5707850aaf05e833d5858eb7c: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:0b7a4b265932171bfacfd99a05140a81730bd9058fd2ed1ce2cfaa7e9e2c3368: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:d84fe3ddae7d0436412fa0d9d5505c5863aa246724cc017abfd9641fab5a9295: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). - alpha:projection-evidence:document:ed87b50023ed0c52fe96e7eea0cd2c2e9060f222155de9f79e5783ad7a91f5b2: [LOB-PA DEF 14A executive officers](https://www.sec.gov/Archives/edgar/data/1462120/000146212026000030/lob-20260402.htm). ## Rights | Field | Value | | --- | --- | | public_retrieval | allowed | | agent_retrieval | allowed | | redistribution | not_granted | | model_training | not_granted | | commercial_use | not_specified | | relationship_pathfinding | not_granted | | direct_contact | not_granted | ## Limitations - Absence of a leadership role, committee, or disclosure is not evidence that it does not exist. - Only explicitly published canonical company identity and current confirmed public roles are included. - Absence of a board, committee, executive, listing, or claim is not evidence that it does not exist. - Public retrieval does not grant redistribution, model-training, direct-contact, or relationship-pathfinding rights. - This Company Profile is an identity and evidence record, not an Alpha rating. ## Alternate representations - [Canonical profile](https://registry.alpha.ac/companies/live-oak-bancshares-inc) - [Public Markdown](https://registry.alpha.ac/companies/live-oak-bancshares-inc.md) - [Public JSON](https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=record) - [JSON-LD](https://registry.alpha.ac/api/public/companies/live-oak-bancshares-inc?format=jsonld) - MCP resource: `alpha://companies/live-oak-bancshares-inc` at https://mcp.alpha.ac/mcp ## Connected governance records Structured intelligence is not currently available. Existing published profile evidence remains accessible. ## Critical-risk oversight Snapshot as of 2026-10-29T20:02:30.284469+00:00; recorded 2026-10-29T20:02:30.284469+00:00. Every published assignment for this snapshot is listed. Only explicitly reviewed, rights-cleared assignments in effect on the as-of date, in the company's own wording. An assignment shows where oversight is placed, not whether it is effective. Missing records do not establish absence.