UPST Upstart Holdings, Inc. - 8-K

Item 8.01 Other Events.

On March 10, 2026, Upstart Holdings, Inc. ("Upstart"), issued a press release announcing its plan to submit an application to the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) to establish an insured national bank, Upstart Bank, N.A. Upstart will also apply to the Federal Reserve for approval to become a bank holding company. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated by reference herein.

Cautionary Statements Regarding Forward Looking Statements

The information provided in this Form 8-K contains forward-looking statements, which involve a number of risks and uncertainties. Upstart cautions readers that any forward-looking information is not a guarantee of future performance and that actual results could differ materially from those contained in the forward-looking information due to a number of factors, including those listed from time to time in reports that Upstart files with the Securities and Exchange Commission. Forward-looking statements speak only as of the date made. We do not undertake any obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as may be required under applicable securities laws.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.

Description

99.1

Press Release issued by Upstart Holdings, Inc. dated March 10, 2026

104

Cover Page Interactive Data File (Cover page XBRL tags are embedded within the Inline XBRL document)