Origin Bancorp Inc
ir.origin.bankWhat Do They Do?
Provides relationship-based banking, including deposits and loans, to businesses, municipalities and personal clients, and sells commercial and personal insurance through its insurance agency.
10-K for FY2025, filed Feb 25, 2026Origin Bancorp, Inc. is a financial holding company headquartered in Ruston, Louisiana. Our wholly owned bank subsidiary, Origin Bank, was…View ↗
We are focused on delivering a broad range of relationship-driven financial services tailored to meet the needs of small and medium-sized…View ↗
We offer a wide variety of commercial and personal property and casualty insurance products through our wholly-owned insurance agency…View ↗
How Do They Make Money?
The bank earns interest on loans and investments, charges fees for deposit services, and earns insurance commissions from producing policies for carriers and fees for related services. Deposit fees may be charged over a service period or per transaction; insurance income generally comes when the service is rendered.
10-K for FY2025, filed Feb 25, 2026We are a financial holding company headquartered in Ruston, Louisiana. Our wholly-owned bank subsidiary, Origin Bank, was founded in 1912…View ↗
Service charges and fees on deposit accounts are primarily comprised of maintenance fees, service fees, stop payment and insufficient funds…View ↗
The Company earns commission income through production on behalf of insurance carriers and also earns fee income by providing complementary…View ↗
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10-K for FY2025, filed Feb 25, 2026
FY2025 revenue by product or service (Revenue from contracts with customers) ↗
$538M
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10-K for FY2025, filed Feb 25, 2026
$538M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Insurance commission and fee income
Sold outright
|
58%
FY2022: 56%
|
Insurance commission and fee income, FY2025
$27.1M Sources
|
Sold outright |
|
Service charges and fees
Mix
|
42%
FY2022: 44%
|
Service charges and fees, FY2025
$19.7M Sources
|
Mix |
Who Are Their Customers?
Businesses, municipalities and personal clients use Origin Bank for relationship-based banking. Customers work with relationship bankers and can use banking centers, mobile apps and online banking.
10-K for FY2025, filed Feb 25, 2026Origin Bancorp, Inc. is a financial holding company headquartered in Ruston, Louisiana. Our wholly owned bank subsidiary, Origin Bank, was…View ↗
We have historically been able to demonstrate our ability to grow our loans and deposits organically. Our team of seasoned bankers has been…View ↗
Given customer demand for increased convenience and account access, we offer a wide range of products and services, including 24-hour…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 14 cents of every revenue dollar as net income in FY2025 and turned 28 cents into free cash flow.
How Are They Changing?
- Net income
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Sources
10-Q for Q2 FY2026, filed Aug 5, 2026
$33.8MView ↗
- ▲ +131%
- vs $14.6M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
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Sep 15, 2026
Plans to transfer its stock listing from the NYSE to the Texas Stock Exchange
Trading is expected to begin on the Texas Stock Exchange at market open on October 13, 2026.
Sources
8-K, filed Sep 15, 2026
On September 15, 2026, Origin Bancorp, Inc. (the “Company”), acting pursuant to authorization from its Board of Directors, provided written…View ↗
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Jul 22, 2026
Updated its 2026 financial outlook
The outlook puts net interest margin at 3.85% +/- 5 basis points and noninterest income growth at low to mid-single digits.
Sources
8-K, filed Jul 22, 2026
ORIGIN BANCORP, INC. _______ LOUISIANA Entry: 1912 Loans: $1,519 Deposits: $3,442 DOLLARS IN MILLIONS, UNAUDITED (1) (2) 3 DEPOSITS & LOANS…View ↗
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Apr 22, 2026
Updated its 2026 financial outlook
The outlook put net interest margin at 3.75% +/- 5 basis points and noninterest income growth at mid to high-single digits.
Sources
8-K, filed Apr 22, 2026
ORIGIN BANCORP, INC. _______ LOUISIANA Entry: 1912 Loans: $1,474 Deposits: $3,365 DOLLARS IN MILLIONS, UNAUDITED (1) (2) 3 DEPOSITS & LOANS…View ↗
Expanded Southeast markets
The older report names markets in Texas, Louisiana and Mississippi; the latest adds South Alabama and the Florida Panhandle to the markets it serves.
10-K for FY2022, filed Feb 22, 2023 10-K for FY2025, filed Feb 25, 2026We currently operate in the markets of Dallas/Fort Worth, Houston, East Texas, North Louisiana and Mississippi, all of which offer…View ↗
Mortgage servicing and sales
The older report lists mortgage origination and servicing among its offerings; the latest says it sold substantially all mortgage servicing rights and uses a correspondent relationship for residential loans sold in the secondary market.
10-K for FY2022, filed Feb 22, 2023 10-K for FY2025, filed Feb 25, 2026We offer commercial and retail customers a wide range of products and services that provide us with a diversified revenue stream and help…View ↗
We are also engaged in the residential mortgage banking business, which primarily generates income from the sale of mortgage loans. We…View ↗
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