PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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