Choudrant, LA · Cert 12614 · Origin Bcorp Inc.
State charter, Fed member · FED · 59 branches
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 0.3% share · #28 of 166 inst. · $1.9B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.15% | 1.27% | 1.06% | 1.39% | +75 bps | |
| Return on Equity | 5.46% | 1.28% | 10.89% | 9.15% | 12.01% | +655 bps | |
| Net Interest Margin | 3.43% | 3.54% | 3.65% | 3.52% | 3.74% | +31 bps | |
| Efficiency Ratio | 57.88% | 55.25% | 55.73% | 57.81% | 54.24% | -364 bps | |
| Non-Interest Burden | 1.86% | 1.78% | 1.89% | 1.95% | 1.89% | +3 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 / Loans | 1.11% | 1.17% | 1.06% | 1.11% | 0.97% | -14 bps | |
| Net Charge-Offs / Loans | 0.12% | 1.67% | 0.17% | 0.14% | 0.02% | -10 bps | |
| Allowance / Loans | 1.20% | 1.28% | 1.26% | 1.26% | 1.22% | +1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.1x | 1.2x | 1.1x | 1.3x | +0.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.24% | 10.97% | 10.91% | 10.89% | 11.37% | +12 bps | |
| Total Risk-Based Capital | 14.27% | 14.16% | 13.82% | 13.98% | 13.97% | -31 bps | |
| Equity / Assets | 11.87% | 11.57% | 11.75% | 11.41% | 11.69% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.87% | 89.45% | 91.90% | 89.47% | 92.56% | -130 bps | |
| Liquid Assets / Assets | 2.41% | 5.61% | 3.76% | 5.81% | 4.62% | +220 bps | |
| CRE / Total Capital | n/a | 341% | 343% | 336% | n/a | n/a | |