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Origin Bank

Choudrant, LA · Cert 12614 · Origin Bcorp Inc.

State charter, Fed member · FED · 59 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

48

Q2 2024Q2 2026peer median (50)

Asset Quality

46

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

44

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Origin Bank

Choudrant, LA · Cert 12614 · Origin Bcorp Inc.

State charter, Fed member · FED · 59 branches

Q2 2026

$10.2BAssets
$8.1BLoans
$8.7BDeposits
$1.2BEquity
Loan mix
76%RE $5.2B24%C&I $1.7B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $6.4B26%Noninterest $2.3BQ2 2025Q2 2026

NIM

5.55%Q2 ’245.48%Q2 ’255.34%Q2 ’26+13%+8%

Non-interest income vs. expense

2.20%Q2 ’242.23%Q2 ’252.22%Q2 ’26+4%+3%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.3% share · #28 of 166 inst. · $1.9B of $732.8B

0.5% Harris
55.7% Lincoln
0.4% Dallas
25.6% Ouachita

Executive Summary

  • Earnings: ROA of 1.23%, up 42 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.97% of loans (-14 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 11.37%, up 12 bps from a year ago.
  • Funding: loans stand at 92.56% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.23%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+27 bps YoY

Efficiency Ratio (YTD, annualized)

55.95%-305 bps YoY

Tier 1 Leverage Ratio

11.37%+12 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.59%0.76%1.06%1.23%+42 bps
Return on Equity6.96%5.07%6.52%9.15%10.59%+363 bps
Net Interest Margin3.38%3.44%3.47%3.52%3.64%+27 bps
Efficiency Ratio59.01%57.70%57.18%57.81%55.95%-305 bps
Non-Interest Burden1.88%1.85%1.85%1.95%1.93%+5 bps
Growth
Asset Growth (YoY)-2.75%-1.96%0.34%4.40%6.22%+896 bps
Loan Growth (YoY)-3.56%-5.36%1.16%3.57%4.96%+852 bps
Deposit Growth (YoY)-4.23%-1.43%0.85%4.65%6.44%+1,067 bps
Asset Quality
Nonperforming Loans / Loans1.11%1.17%1.06%1.11%0.97%-14 bps
Net Charge-Offs / Loans0.13%0.64%0.52%0.14%0.08%-5 bps
Allowance / Loans1.20%1.28%1.26%1.26%1.22%+1 bps
Allowance Coverage of NPLs1.1x1.1x1.2x1.1x1.3x+0.2x
Capital
Tier 1 Leverage Ratio11.24%10.97%10.91%10.89%11.37%+12 bps
Total Risk-Based Capital14.27%14.16%13.82%13.98%13.97%-31 bps
Equity / Assets11.87%11.57%11.75%11.41%11.69%-18 bps
Liquidity & Funding
Loans / Deposits93.87%89.45%91.90%89.47%92.56%-130 bps
Liquid Assets / Assets2.41%5.61%3.76%5.81%4.62%+220 bps
CRE / Total Capitaln/a341%343%336%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Origin Bank

Choudrant, LA · Cert 12614 · Peer group: banks over $10B in assets (n=142-144) · Origin Bcorp Inc.

State charter, Fed member · FED · 59 branches

Q2 2026

$10.2BAssets
$8.1BLoans
$8.7BDeposits
$1.2BEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 72% of banks over $10B in assets (rank 40 of 144).
  • Widest gap: nonperforming loans / loans trails 71% of banks over $10B in assets (rank 102 of 142).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.20%

Rank 80 of 144

Net Interest Margin

3.64%

Rank 40 of 144

Efficiency Ratio

57.13%

Rank 82 of 144

Equity / Assets

11.69%

Rank 63 of 144

Non-interest income vs. expense

$28.8M$222.0MINCOMEEXPENSE
Unfavorable gap of $193.2M · efficiency ratio beats 44% of banks over $10B in assets
Bank 57.13%Peer median 56.0%Q1 2026Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%1.00%1.26%1.54%Beats 44%80 / 144
Return on Equity10.30%8.98%11.34%14.40%Beats 38%90 / 144
Net Interest Margin3.64%2.82%3.31%3.68%Beats 72%40 / 144
Efficiency Ratio57.13%49.42%56.02%62.41%Beats 44%82 / 144
Asset Quality
Nonperforming Loans / Loans0.97%0.48%0.73%1.07%Beats 29%102 / 142
Net Charge-Offs / Loans0.08%0.05%0.11%0.22%Beats 63%53 / 142
Capital
Tier 1 Capital Ratio12.80%12.07%12.98%14.92%Beats 47%77 / 144
Total Risk-Based Capital Ratio13.97%13.39%14.14%16.25%Beats 42%84 / 144
Equity / Assets11.69%9.69%11.39%12.96%Beats 56%63 / 144
Liquidity & Funding
Loans / Deposits92.56%75.72%84.92%91.56%79th pctl30 / 143
Loans / Assets79.34%59.83%69.07%74.80%89th pctl16 / 144
Brokered Deposits / Depositsn/aNot reported for this institution