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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.80% | 0.98% | 0.81% | 0.59% | 0.76% | 1.06% | 1.23% | +42 bps | |
| Return on Equity | 7.70% | 7.31% | 8.47% | 6.96% | 5.07% | 6.52% | 9.15% | 10.59% | +363 bps | |
| Net Interest Margin | 3.03% | 3.08% | 3.28% | 3.38% | 3.44% | 3.47% | 3.52% | 3.64% | +27 bps | |
| Efficiency Ratio | 62.21% | 62.62% | 60.19% | 59.01% | 57.70% | 57.18% | 57.81% | 55.95% | -305 bps | |
| Non-Interest Burden | 1.78% | 1.83% | 1.88% | 1.88% | 1.85% | 1.85% | 1.95% | 1.93% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.19% | -0.71% | -1.57% | -2.75% | -1.96% | 0.34% | 4.40% | 6.22% | +896 bps | |
| Loan Growth (YoY) | 5.03% | -1.22% | -4.03% | -3.56% | -5.36% | 1.16% | 3.57% | 4.96% | +852 bps | |
| Deposit Growth (YoY) | 1.26% | -0.82% | -1.93% | -4.23% | -1.43% | 0.85% | 4.65% | 6.44% | +1,067 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.81% | 0.99% | 1.07% | 1.11% | 1.17% | 1.06% | 1.11% | 0.97% | -14 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.19% | 0.14% | 0.13% | 0.64% | 0.52% | 0.14% | 0.08% | -5 bps | |
| Allowance / Loans | 1.21% | 1.20% | 1.21% | 1.20% | 1.28% | 1.26% | 1.26% | 1.22% | +1 bps | |
| Allowance Coverage of NPLs | 1.5x | 1.2x | 1.1x | 1.1x | 1.1x | 1.2x | 1.1x | 1.3x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.75% | 10.89% | 11.18% | 11.24% | 10.97% | 10.91% | 10.89% | 11.37% | +12 bps | |
| Total Risk-Based Capital | 14.39% | 15.31% | 14.56% | 14.27% | 14.16% | 13.82% | 13.98% | 13.97% | -31 bps | |
| Equity / Assets | 11.17% | 11.49% | 11.67% | 11.87% | 11.57% | 11.75% | 11.41% | 11.69% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.17% | 91.62% | 90.40% | 93.87% | 89.45% | 91.90% | 89.47% | 92.56% | -130 bps | |
| Liquid Assets / Assets | 1.75% | 3.63% | 3.98% | 2.41% | 5.61% | 3.76% | 5.81% | 4.62% | +220 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 341% | 343% | 336% | n/a | n/a | |