{
 "as_of": "2026-11-08",
 "cmr": "us-cm-kg/NYSE/LOB-PA",
 "fence": "The page is the record's research on the issuer — no analyst, no rating, no view.",
 "markdown": "The page is the record's research on the issuer — no analyst, no rating, no view.\n\n# Live Oak Bancshares, Inc. (NYSE: LOB-PA) — research page\n\nAs of 2026-11-08 · us-cm-kg · record version 1\n\n## Identity and listing\n\nLive Oak Bancshares, Inc. is listed on the NYSE under the ticker LOB-PA. The record does not carry an ISIN or an LEI for the issuer. Its security type is Corporate and its sector is 6022 State Commercial Banks. Its jurisdiction is the United States, North Carolina. The segment is not on the record. The issuer is listed and not halted.\n\n## The disclosure read\n\nThe record holds 188 filings in the window from 2025-11-08 to 2026-11-08, across 100 filing days. The median gap between filing days is 1 day. The latest filing is dated 2026-11-05 and is of type corporate_news, 3 days before the record date of 2026-11-08. The NYSE median cadence gap is 6.0 days, the NYSE median filings figure is 64.0, and the NYSE median latency is 4.0 days. The sector median cadence gap is 5.0 days, the sector median filings figure is 87.5, and the sector median latency is 3.0 days. By type, the record holds 1 ad_hoc, 2 agm_egm, 6 corporate_news, 6 director_change, 103 directors_dealings, 3 prospectus, 57 regulatory_filing and 10 results filings.\n\n## Auditor\n\nThe auditor of record is not on the record, and neither is its location. The record holds no auditor changes.\n\n## Events and halts\n\nThe record holds no listing, delisting, name change or segment move events. The domicile change is not on the record. The issuer is listed and not halted.\n\n## Orderability\n\nThe outcome is not determinable because the chapter's orderability section names no client category. The rule version is acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, and the chapter is as of 2026-11-04.\n\n## Coverage\n\nNo research houses were found on the issuer's investor-relations pages read. The count is 0.\n\n## Open research\n\nNo openly published research notes were found. The count is 0.\n\n## Licensed\n\nLicensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.\n\n## As-of depth\n\nThe record holds sealed years 2021, 2022, 2023, 2024, 2025 and 2026 for this issuer. The market's earliest sealed date is 2021-01-04. The live record began on 2026-09-12.\n\n## Sources\n\n6 source pages are named on this page; every value above carries its own source page and read date in the numbers.\n\n- https://www.sec.gov/files/company_tickers_exchange.json (identity.exchange)\n- https://data.sec.gov/submissions/CIK0001462120.json (identity.jurisdiction)\n- https://mcp.us-cm-kg.ai/events/NYSE/LOB-PA (the disclosure lines)\n- https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts (the halt flag)\n- https://mcp.us-cm-kg.ai/book/aio.json (the orderability chapter)\n- https://mcp.us-cm-kg.ai/record/NYSE/LOB-PA (the record)\n",
 "market": "US",
 "node": "us-cm-kg",
 "numbers": {
  "as_of_depth": {
   "issuer_years_sealed": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ],
   "live_record_began": "2026-09-12",
   "node_history_from": "2021-01-04",
   "node_years_sealed": [
    "2021",
    "2022",
    "2023",
    "2024",
    "2025",
    "2026"
   ],
   "record_version": 1,
   "sealed": true
  },
  "auditor": {
   "auditor": {
    "market": "US",
    "reason": "no dei:AuditorName tag on the latest annual report cover (foreign private issuers and older filings carry none)",
    "state": "not_on_record"
   },
   "auditor_firm_id": {
    "market": "US",
    "state": "not_on_record"
   },
   "auditor_location": {
    "market": "US",
    "state": "not_on_record"
   },
   "changes": []
  },
  "cmr": "us-cm-kg/NYSE/LOB-PA",
  "coverage": {
   "count": 0,
   "houses": [],
   "pages_checked": [
    {
     "page": "https://investor.liveoak.bank/stock-info/analyst-coverage/default.aspx",
     "result": "read: 0 of 0 named houses found on the page"
    }
   ],
   "read_by": "Perplexity sonar (search) · page read by this rail",
   "read_date": "2026-11-11",
   "since": null,
   "state": "none_found"
  },
  "disclosure": {
   "against": {
    "exchange": {
     "issuers": 3256,
     "median_cadence_gap_days": 6,
     "median_filings": 64,
     "median_latency_days": 4,
     "name": "NYSE"
    },
    "sector": {
     "issuers": 214,
     "median_cadence_gap_days": 5,
     "median_filings": 87.5,
     "median_latency_days": 3,
     "name": "6022 State Commercial Banks"
    }
   },
   "by_type": {
    "ad_hoc": 1,
    "agm_egm": 2,
    "corporate_news": 6,
    "director_change": 6,
    "directors_dealings": 103,
    "prospectus": 3,
    "regulatory_filing": 57,
    "results": 10
   },
   "cadence_median_gap_days": 1,
   "filing_days": 100,
   "filings": 188,
   "latency_days": 3,
   "latest": [
    {
     "category": "8-K",
     "date": "2026-11-05",
     "source": "https://www.sec.gov/Archives/edgar/data/1462120/000146212026000075/lob-20261104.htm",
     "title": "8-K — 8-K (items 1.01,8.01,9.01)",
     "type": "corporate_news"
    },
    {
     "category": "424B5",
     "date": "2026-11-05",
     "source": "https://www.sec.gov/Archives/edgar/data/1462120/000119312526449852/d176764d424b5.htm",
     "title": "424B5 — 424B5",
     "type": "prospectus"
    },
    {
     "category": "FWP",
     "date": "2026-11-04",
     "source": "https://www.sec.gov/Archives/edgar/data/1462120/000119312526447659/d177913dfwp.htm",
     "title": "FWP — FWP",
     "type": "regulatory_filing"
    },
    {
     "category": "424B5",
     "date": "2026-11-04",
     "source": "https://www.sec.gov/Archives/edgar/data/1462120/000119312526446370/d176764d424b5.htm",
     "title": "424B5 — 424B5",
     "type": "prospectus"
    },
    {
     "category": "10-Q",
     "date": "2026-11-03",
     "source": "https://www.sec.gov/Archives/edgar/data/1462120/000146212026000072/lob-20260930.htm",
     "title": "10-Q — 10-Q",
     "type": "results"
    }
   ],
   "latest_filing_date": "2026-11-05",
   "read": "the node's event lines (list_events_since), as get_filings serves them",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/LOB-PA",
   "window": {
    "from": "2025-11-08",
    "to": "2026-11-08"
   }
  },
  "identity": {
   "exchange": {
    "read_by": "EDGAR company_tickers_exchange.json (SEC list of exchange-listed filers)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/files/company_tickers_exchange.json",
    "state": "sourced",
    "value": "NYSE"
   },
   "isin": {
    "market": "US",
    "reason": "no LEI, so no GLEIF ISIN route; EDGAR carries no ISIN",
    "state": "not_on_record"
   },
   "jurisdiction": {
    "read_by": "EDGAR submissions API (issuer header as filed) (stateOfIncorporation)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001462120.json",
    "state": "sourced",
    "value": "United States — North Carolina"
   },
   "lei": {
    "market": "US",
    "reason": "no GLEIF record with the exact legal name in jurisdiction US-NC",
    "state": "not_on_record"
   },
   "name": {
    "read_by": "EDGAR submissions API (issuer header as filed)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001462120.json",
    "state": "sourced",
    "value": "Live Oak Bancshares, Inc."
   },
   "sector": {
    "read_by": "EDGAR submissions API (issuer header as filed) (SIC code as assigned by the SEC)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001462120.json",
    "state": "sourced",
    "value": "6022 State Commercial Banks"
   },
   "security_type": {
    "read_by": "EDGAR submissions API (issuer header as filed)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://data.sec.gov/submissions/CIK0001462120.json",
    "state": "sourced",
    "value": "Corporate"
   },
   "segment": {
    "market": "US",
    "state": "not_on_record"
   },
   "ticker": {
    "read_by": "EDGAR company_tickers_exchange.json (SEC list of exchange-listed filers)",
    "read_date": "2026-11-08",
    "read_date_basis": "the record version as_of",
    "source": "https://www.sec.gov/files/company_tickers_exchange.json",
    "state": "sourced",
    "value": "LOB-PA"
   },
   "website": {
    "market": "US",
    "state": "not_on_record"
   }
  },
  "licensed": {
   "columns": [
    "licensor",
    "entitlement",
    "title",
    "date",
    "source"
   ],
   "rows": [],
   "rule": "A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded."
  },
  "lifecycle": {
   "delisting": [],
   "domicile_change": {
    "market": "US",
    "reason": "EDGAR states no dated change of state of incorporation on a filing line",
    "state": "not_on_record"
   },
   "listing": [],
   "name_change": [],
   "segment_move": {
    "market": "US",
    "reason": "the exchanges' tier transfers are not EDGAR filings",
    "state": "not_on_record"
   }
  },
  "market": "US",
  "node": "us-cm-kg",
  "numbers_hash": "sha256:345745d2da1129cf5f453a56082354d69f7aa67bdba6451d4c0c22c977271d6e",
  "open_research": {
   "read_date": "2026-11-11",
   "rows": [],
   "state": "none_found"
  },
  "orderability": {
   "chapter_as_of": "2026-11-04",
   "client_categories": [],
   "determinable": false,
   "read": {
    "chapter": "https://mcp.us-cm-kg.ai/book/aio.json",
    "door": "https://mcp.us-cm-kg.ai/mcp",
    "tool": "get_orderability"
   },
   "reason": "the chapter's orderability section carries no client_categories: the outcome cannot name its client category",
   "rule_version": "acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1",
   "section": "us.aio.v8"
  },
  "record": {
   "as_of": "2026-11-08",
   "url": "https://mcp.us-cm-kg.ai/record/NYSE/LOB-PA",
   "version": 1
  },
  "schema": "research-numbers v0.1 (USR-01, 2026-11-11)",
  "status": {
   "read_date": "2026-11-08",
   "source": "https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts",
   "value": "listed, not halted"
  }
 },
 "numbers_hash": "sha256:345745d2da1129cf5f453a56082354d69f7aa67bdba6451d4c0c22c977271d6e",
 "path": "/us/NYSE/LOB-PA",
 "schema": "research-page v0.1 (USR-02, 2026-11-11)",
 "sections": [
  {
   "id": "identity",
   "text": "Live Oak Bancshares, Inc. is listed on the NYSE under the ticker LOB-PA. The record does not carry an ISIN or an LEI for the issuer. Its security type is Corporate and its sector is 6022 State Commercial Banks. Its jurisdiction is the United States, North Carolina. The segment is not on the record. The issuer is listed and not halted.",
   "title": "Identity and listing"
  },
  {
   "id": "disclosure",
   "text": "The record holds 188 filings in the window from 2025-11-08 to 2026-11-08, across 100 filing days. The median gap between filing days is 1 day. The latest filing is dated 2026-11-05 and is of type corporate_news, 3 days before the record date of 2026-11-08. The NYSE median cadence gap is 6.0 days, the NYSE median filings figure is 64.0, and the NYSE median latency is 4.0 days. The sector median cadence gap is 5.0 days, the sector median filings figure is 87.5, and the sector median latency is 3.0 days. By type, the record holds 1 ad_hoc, 2 agm_egm, 6 corporate_news, 6 director_change, 103 directors_dealings, 3 prospectus, 57 regulatory_filing and 10 results filings.",
   "title": "The disclosure read"
  },
  {
   "id": "auditor",
   "text": "The auditor of record is not on the record, and neither is its location. The record holds no auditor changes.",
   "title": "Auditor"
  },
  {
   "id": "events",
   "text": "The record holds no listing, delisting, name change or segment move events. The domicile change is not on the record. The issuer is listed and not halted.",
   "title": "Events and halts"
  },
  {
   "id": "orderability",
   "text": "The outcome is not determinable because the chapter's orderability section names no client category. The rule version is acm-68000/us/reasonable-basis-suitability-finra-rule-2111/r1, and the chapter is as of 2026-11-04.",
   "title": "Orderability"
  },
  {
   "id": "coverage",
   "text": "No research houses were found on the issuer's investor-relations pages read. The count is 0.",
   "title": "Coverage"
  },
  {
   "id": "open_research",
   "text": "No openly published research notes were found. The count is 0.",
   "title": "Open research"
  },
  {
   "id": "licensed",
   "text": "Licensed research: none loaded. A licensed row is served only to an agent whose firm holds that licence (licensor, entitlement). No licensed row is loaded.",
   "title": "Licensed"
  },
  {
   "id": "depth",
   "text": "The record holds sealed years 2021, 2022, 2023, 2024, 2025 and 2026 for this issuer. The market's earliest sealed date is 2021-01-04. The live record began on 2026-09-12.",
   "title": "As-of depth"
  },
  {
   "id": "sources",
   "text": "6 source pages are named on this page; every value above carries its own source page and read date in the numbers.",
   "title": "Sources"
  }
 ],
 "sources": [
  {
   "for": "identity.exchange",
   "source": "https://www.sec.gov/files/company_tickers_exchange.json"
  },
  {
   "for": "identity.jurisdiction",
   "source": "https://data.sec.gov/submissions/CIK0001462120.json"
  },
  {
   "for": "the disclosure lines",
   "source": "https://mcp.us-cm-kg.ai/events/NYSE/LOB-PA"
  },
  {
   "for": "the halt flag",
   "source": "https://www.nasdaqtrader.com/rss.aspx?feed=tradehalts"
  },
  {
   "for": "the orderability chapter",
   "source": "https://mcp.us-cm-kg.ai/book/aio.json"
  },
  {
   "for": "the record",
   "source": "https://mcp.us-cm-kg.ai/record/NYSE/LOB-PA"
  }
 ],
 "title": "Live Oak Bancshares, Inc. (LOB-PA) — research page",
 "writer": {
  "by": "Claude through the platform account, Haiku class; one pass; checked against the numbers",
  "engine": "claude-haiku-5-5"
 }
}