OBK
Origin Bancorp, Inc.39.16
+0.09+0.23%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.21BP/E (TTM)
20.50Basic EPS (TTM)
1.91Dividend Yield
0.02%Recent Filings
8-K
Q3 earnings dip on fraud provision
Origin Bancorp reported Q3 2025 net income of $8.6 million, down 41% from Q2's $14.6 million, hammered by a $36.8 million credit provision tied to suspected fraud in the Tricolor Holdings loan. Yet PTPP earnings surged 122% to $47.8 million, fueled by NIM expansion to 3.65% and Optimize Origin efficiencies. Fraud hit hard. Deposits grew 2.6% to $8.33 billion; board declared $0.15 quarterly dividend.
8-K
Q3 2025 earnings call announced
Origin Bancorp announced its third quarter 2025 earnings release after market close on October 22, followed by an investor conference call on October 23 at 8:00 a.m. Central Time, hosted by CEO Drake Mills and CFO William J. Wallace. The webcast, accessible via the company's website, will review financial results and operations. No preliminary figures disclosed yet. Investors await details on performance amid regional banking dynamics.
8-K
Director resigns amid client bankruptcy
Origin Bancorp's board director Daniel T. Chu resigned effective September 7, 2025, with no disagreements cited. The move coincides with Tricolor's Chapter 7 bankruptcy filing on September 10, 2025, where Chu is CEO and a Bank customer; the Bank holds $30.1 million in performing but non-accrual loans secured by notes receivable. The Bank is assessing collateral value and potential credit loss provisions while pursuing remedies. Risks include undetected material weaknesses in internal controls.
10-Q
Q2 FY2025 results
Origin Bancorp's Q2 2025 net interest income climbed 11.2% y/y to $82.1M, with NIM-FTE expanding 44 bps to 3.61% as deposit costs fell 73 bps to 3.25%, outpacing a 17 bps drop in asset yields to 5.87%; yet, a $14.4M securities sale loss (derived) dragged noninterest income down 93.9% y/y, yielding net income of $14.6M, or $0.47 diluted EPS (down 30.2% y/y, reconciling to 31.3M weighted shares). LHFI grew 1.5% q/q to $7.68B, driven by warehouse lines up 64.6% q/q, while provision for credit losses eased 54.0% y/q to $2.9M amid 0.12% net charge-offs (annualized, derived). Liquidity strengthened with $334.1M cash and $1.79B FHLB availability, post $70M subordinated debt redemption; total deposits dipped 1.2% q/q to $8.12B. Nonperforming loans rose to 1.11% of LHFI, signaling watch on commercial real estate credit risks.
8-K
Q2 earnings drop amid optimizations
Origin Bancorp reported Q2 2025 net income of $14.6 million, down from $22.4 million in Q1, hit by a $14.4 million securities sale loss that boosted NIM-FTE to 3.61%—up 17 basis points. Optimize Origin efficiencies, including mortgage restructuring and Argent stake hike, promise $34.2 million annual pre-tax gains. Yet earnings dipped. Board declared $0.15 quarterly dividend, payable August 29.
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