OBK on NYSE

Origin Bancorp, Inc.

In its 2026 annual report the company says: “Origin Bancorp, Inc. is a financial holding company headquartered in Ruston, Louisiana. We provide a broad range of financial services and currently operates more than 56 locations in Dallas/Fort Worth, East Texas, Houston, North Louisiana, Mississippi, South Alabama and the Florida Panhandle. In addition, we provide a broad range of insurance agency products and services through our wholly owned insurance agency subsidiary, Forth Insurance, LLC.”5 Its shares trade on NYSE under the symbol OBK.2

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Last updated Oct 21, 2026.

Overview

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  • TickerOBK on NYSE2
  • IndustryState Commercial Banks2
  • HeadquartersRuston, United States2
  • Incorporated inLA3
  • Business address500 S Service Road East, Ruston, La 712703
  • Filer categoryLarge accelerated filer3
  • Legal formCorporation2
  • LEI54930055DO2Z4KO3NB452
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O STACI SANDERS, 71270 Ruston, United States2
  • Registered withCorporations Section (Office of the Secretary of State), 34383194D2

Origin Bancorp, Inc. is a financial holding company headquartered in Ruston, Louisiana. Our wholly owned bank subsidiary, Origin Bank, was founded in 1912 in Choudrant, Louisiana. Deeply rooted in our history is a culture committed to providing personalized, relationship banking to businesses, municipalities, and personal clients to enrich the lives of the people in the communities we serve. We provide a broad range of financial services and currently operates more than 56 locations in Dallas/Fort Worth, East Texas, Houston, North Louisiana, Mississippi, South Alabama and the Florida Panhandle . In addition, we provide a broad range of insurance agency products and services through our wholly owned insurance agency subsidiary, Forth Insurance, LLC. At December 31, 2025, we had total assets of $9.72 billion, total loans held for investment (“LHFI”) of $7.67 billion, total deposits of $8.3…5 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Products And Services, Insurance Commission And Fees brought in 58% of the revenue Origin Bancorp, Inc. broke down this way in fiscal 2025.

  1. Products And Services, Insurance Commission And Fees$27.1M658%up 1% from 2024
  2. Products And Services, Deposit Service Fees$19.7M642%up 3% from 2024
Products and services by year
Products and services202320242025
Products And Services, Insurance Commission And Fees$25.1M$26.8M$27.1M
Products And Services, Deposit Service Fees$18.8M$19.0M$19.7M

Financial statements

Net income789106$75.2M in 2025+40% since 2019
0$50.0M$100.0M$150.0M2019: $53.9M$53.9M20192020: $36.4M$36.4M2020−33%2021: $108.5M$108.5M2021+199%2022: $87.7M$87.7M2022−19%2023: $83.8M$83.8M2023−4%2024: $76.5M$76.5M2024−9%2025: $75.2M$75.2M2025−2%

Every line of the income statement as filed: the last 3 fiscal years, latest first.6

Period ending2025-12-312024-12-312023-12-31
Interest and fees on loans$477.7M$517.3M$466.8M
Investment securities-taxable$33.5M$26.6M$31.7M
Investment securities-nontaxable$5.4M$3.7M$5.1M
Interest and dividend income on assets held in other financial institutions$21.3M$17.0M$19.8M
Total interest and dividend income$538.0M$564.6M$523.4M
Interest-bearing deposits$199.5M$254.9M$196.5M
FHLB advances and other borrowings$1.7M$1.6M$17.3M
Subordinated indebtedness$5.8M$7.7M$10.1M
Total interest expense$207.0M$264.2M$223.8M
Net interest income$331.0M$300.4M$299.6M
Provision for credit losses$46.3M$7.4M$16.8M
Net interest income after provision for credit losses$284.7M$292.9M$282.8M
Other fee income$9.5M$8.9M$8.1M
Mortgage banking revenue$3.7M$6.6M$3.4M
Swap fee income$3.4M$323.0K$1.3M
Loss on sales of securities, net-$14.4M-$14.8M-$11.6M
Change in fair value of equity investments$7.0M$5.2M$10.1M
Equity method investment (loss) income-$1.2M$519.0K$405.0K
Other income$5.1M$2.9M$2.9M
Total noninterest income$59.8M$55.4M$58.3M
Salaries and employee benefits$150.9M$148.8M$138.8M
Occupancy and equipment, net$29.8M$27.9M$26.8M
Data processing$13.6M$13.5M$11.6M
Office and operations$12.7M$11.4M$10.8M
Intangible asset amortization$6.6M$8.0M$9.6M
Regulatory assessments$5.5M$6.9M$6.5M
Advertising and marketing$5.6M$6.2M$6.0M
Professional services$6.6M$6.6M$5.9M
Electronic banking$5.7M$5.2M$4.7M
Loan-related expense$3.0M$3.2M$5.0M
Bank share tax expense$2.5M$2.9M$3.3M
Other expense$6.3M$10.5M$6.1M
Total noninterest expense$248.9M$251.0M$235.2M
Income before income tax expense$95.6M$97.3M$105.9M
Income tax expense$20.4M$20.8M$22.1M
Net income$75.2M$76.5M$83.8M
Basic earnings per common share (in dollars per share)$2.42$2.46$2.72
Diluted earnings per common share (in dollars per share)$2.40$2.45$2.71

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Corporate structure

Origin Bancorp, Inc. sits at the top of its group. 10 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Origin Bancorp, Inc.

  • Origin Bancorp, Inc. Ruston, Louisiana, United States
    • BT Holdings Trust I Subsidiary · Delaware, United States
    • CTB Properties, LLC Subsidiary · Louisiana, United States
    • CTB Statutory Trust 1 Subsidiary · Connecticut, United States
    • CTB/HLP Condominium Association, Inc Subsidiary · Louisiana, United States
    • CTB/MNG Condominium Association, Inc. Subsidiary · Louisiana, United States
    • First Louisiana Statutory Trust I Subsidiary · Delaware, United States
    • Forth Insurance, LLC Subsidiary · Louisiana, United States
    • Origin Bank Subsidiary · Louisiana, United States
    • Origin Securities, LLC Subsidiary · Delaware, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Origin Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Finance-lease assets$1.6M6 Dec 31, 2025$1.9M6 Dec 31, 2024−14.8%
Operating-lease assets (leased space)$51.9M6 Dec 31, 2025$52.8M6 Dec 31, 2024−1.8%

Real estate and locations

ItemLatestA year beforeChange
Stores566 Dec 31, 20256010 Dec 31, 2024−6.7%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$424.2M6 Dec 31, 2025$470.2M6 Dec 31, 2024−9.8%
Stakes in other companies (equity method)$67.5M6 Dec 31, 2025$19.0M6 Dec 31, 2024+255.8%
Loans, net of allowance$7.6B6 Dec 31, 2025$7.5B6 Dec 31, 2024+1.2%
Deposits held (banks)$8.3B6 Dec 31, 2025$8.2B6 Dec 31, 2024+1.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$128.7M6 Dec 31, 2025$128.7M6 Dec 31, 20240%
Intangible assets, net (excluding goodwill)$33.4M6 Dec 31, 2025$37.5M6 Dec 31, 2024−11.0%
Finite-lived intangibles, gross$66.6M6 Dec 31, 2025$64.1M6 Dec 31, 2024+3.9%
Accumulated amortization$33.2M6 Dec 31, 2025$26.6M6 Dec 31, 2024+24.9%
Finite-lived intangibles, net$33.4M6 Dec 31, 2025$37.5M6 Dec 31, 2024−11.0%

Properties, in its own words

At December 31, 2025, our executive offices and those of Origin Bank were located at 500 South Service Road East, Ruston, Louisiana 71270 and we operated through over 56 locations in Texas, Louisiana, Mississippi, South Alabama, and the Florida Panhandle, including loan production offices. At December 31, 2025, we had 17 banking centers in North Louisiana, 11 banking centers in the Dallas-Fort Worth metroplex area, nine banking centers in East Texas, 11 banking centers in the Houston metroplex, six banking centers in the Ridgeland, Mississippi area, and one banking center each in South Alabama and the Florida Panhandle. At December 31, 2025, Origin Bank owned its main office building and 29 of its banking centers, as well as a controlling interest in its operations center. The remaining facilities were occupied under lease agreements, the terms of which range from month to month to 28 years. We believe that our banking and other offices are in good condition and are suitable and adequate to our needs.

At December 31, 2025, our insurance agency operated through 13 office locations primarily located in Louisiana. One location is owned directly by the insurance agency, five are shared locations owned or leased by Origin, and seven are leased by the insurance agency.

Item 2 of the 10-K filed Feb 25, 2026.5

Leadership

Who has led Origin Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Board members and other officers (19)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • Executive OfficerM. Lance Hall named Jan 12, 202239
  • DirectorA. La'Verne Edney named Jan 12, 202239
  • DirectorJames E. Davison, Jr. named Jan 12, 202239
  • DirectorMichael A. Jones named Jan 12, 202239
  • DirectorSteven L. Taylor named Jan 12, 202239

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • BT Holdings Trust I Delaware4
  • CTB Properties, LLC Louisiana4
  • CTB Statutory Trust 1 Connecticut4
  • CTB/HLP Condominium Association, Inc Louisiana4
  • CTB/MNG Condominium Association, Inc. Louisiana4
  • First Louisiana Statutory Trust I Delaware4
  • Forth Insurance, LLC Louisiana4
  • Origin Bank Louisiana4
  • Origin Securities, LLC Delaware4

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • Origin Bancorp, Inc. Attn: Chase AndersonOct 11, 2018 to Oct 11, 20183
  • Community Trust Financial CorpApr 5, 2011 to Dec 20, 20123

Timeline

  1. Oct 9, 20268-K Regulation FD disclosure40
  2. Oct 6, 20268-K Executive or director change41
  3. Sep 15, 20268-K Listing notice or transfer; Regulation FD disclosure42
  4. Jul 22, 20268-K Results of operations; Other events43
  5. Jul 10, 20268-K Regulation FD disclosure44
  6. Apr 29, 20268-K Regulation FD disclosure45
  7. Apr 28, 2026New chief executive Bartlett H. Dugdale becomes CEO14
  8. Apr 27, 20268-K Shareholder vote46
  9. Apr 22, 20268-K Results of operations; Other events47
  10. Apr 10, 20268-K Regulation FD disclosure48
  11. Jan 28, 20268-K Results of operations; Other events49
  12. Jan 9, 20268-K Regulation FD disclosure50
  13. Oct 23, 20258-K Regulation FD disclosure51
  14. Nov 16, 2020New chief executive Martin Lance Hall becomes CEO15
  15. May 8, 2018New chief executive Drake D. Mills becomes CEO16
  16. Jun 24, 1991Founded Origin Bancorp, Inc. is founded2

Calendar

Coming up

  1. Around Oct 21, 2026Next results, estimated About a quarter after its last report. The company hasn't announced the date.

When it reported results

  1. Jul 22, 2026Reported quarterly or annual results43
  2. Apr 22, 2026Reported quarterly or annual results47
  3. Jan 28, 2026Reported quarterly or annual results49
  4. Oct 22, 2025Reported quarterly or annual results52
  5. Jul 23, 2025Reported quarterly or annual results53
  6. Apr 23, 2025Reported quarterly or annual results54
  7. Jan 22, 2025Reported quarterly or annual results55
  8. Oct 23, 2024Reported quarterly or annual results56

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

380 filings to the SEC since October 2021: 7 annual reports, 18 quarterly reports, 63 major events, 226 insider forms, 15 large holders, 1 private raises, 50 other. The latest 20:

  1. Oct 9, 2026CERT OBK 8A CERTIFICATION EDGAR
  2. Oct 9, 20268-A12B EDGAR
  3. Oct 9, 202625 EDGAR
  4. Oct 9, 20268-K EDGAR
  5. Oct 8, 2026SCHEDULE 13G EDGAR
  6. Oct 6, 20268-K EDGAR
  7. Sep 15, 20268-K EDGAR
  8. Aug 21, 20264 EDGAR
  9. Aug 21, 20264 EDGAR
  10. Aug 10, 20264 EDGAR
  11. Aug 5, 20264 EDGAR
  12. Aug 5, 202610-Q EDGAR
  13. Jul 22, 20268-K EDGAR
  14. Jul 15, 20264/A EDGAR
  15. Jul 10, 20268-K EDGAR
  16. Jun 25, 202611-K EDGAR
  17. Jun 18, 20264 EDGAR
  18. May 22, 20264 EDGAR
  19. May 22, 20264 EDGAR
  20. May 22, 20264 EDGAR

The 380 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

37 open-market trades by officers, directors and large owners since October 2021: 30 buys and 7 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Aug 7, 2026Jones Cecil W.DirectorBuy3,700$53.86$199.3KForm 4
Dec 26, 2025Farr Meryl KennedyDirectorSale2,265$38.37$86.9KForm 4
Nov 4, 2025Jones Cecil W.DirectorBuy8,500$34.71$295.0KForm 4
Oct 29, 2025Wallace Willliam J IVChief Financial OfficerBuy2,250$34.95$78.6KForm 4
Oct 29, 2025Hall Martin LanceOBK COO, Origin Bank Pres&CEOBuy1,500$34.50$51.8KForm 4
Oct 29, 2025Luffey Gary E.DirectorBuy500$34.78$17.4KForm 4
Oct 29, 2025Brolly Stephen HChief Accounting OfficerBuy700$34.94$24.5KForm 4
Oct 28, 2025Wallace Willliam J IVChief Financial OfficerBuy2,250$34.80$78.3KForm 4
Oct 27, 2025McGee DerekChief Legal CounselBuy968$34.19$33.1KForm 4
Oct 27, 2025Crotwell JimChief Risk OfficerBuy3,000$34.32$103.0KForm 4
Oct 27, 2025Mills DrakeChairman, President and CEOBuy1,200$34.06$40.9KForm 4
Oct 27, 2025Moore PrestonChief Credit & Banking OfficerBuy7,500$34.27$257.0KForm 4
Oct 27, 2025Brolly Stephen HChief Accounting OfficerBuy300$34.11$10.2KForm 4
Oct 27, 2025D'Agostino James Samuel Jr.DirectorBuy1,000$33.93$33.9KForm 4
Sep 11, 2023Dyer JayDirectorSale3,579$29.36$105.1KForm 4
Aug 25, 2023Dyer JayDirectorSale1,700$30.06$51.1KForm 4
May 30, 2023Moore PrestonChief Credit & Banking OfficerBuy20$29.28$586Form 4
May 24, 2023Crotwell JimChief Risk OfficerBuy3,000$29.75$89.2KForm 4
May 22, 2023Crotwell JimChief Risk OfficerBuy15,475$29.97$463.8KForm 4
May 10, 2023Jones Michael AubreyDirectorBuy500$26.90$13.4KForm 4

All 37 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Drake Mills$835.8K$2.6M63
2025M. Lance HallPresident and CEO of Origin Bank$600.0K$1.3M63
2025Derek McGeeChief Legal Counsel$475.0K$1.0M63
2025William Wallace, IVChief Financial Officer$475.0K$902.3K63
2025Preston MooreChief Credit & Banking Officer$475.0K$888.3K63
2024Chairman of the Board/$835.8K$2.5M63
2024M. Lance HallPresident and CEO of Origin Bank$600.0K$1.2M63
2024Derek McGeeChief Legal Counsel$475.0K$1.0M63
2024Preston MooreChief Credit & Banking Officer$475.0K$893.6K63
2024William Wallace, IVChief Financial Officer$475.0K$875.9K63
2023CEO & President ofOrigin Bancorp, Inc.$835.8K$1.7M63
2023M. Lance HallPresident and CEO of Origin Bank$600.0K$1.2M63
2023Derek McGeeChief Legal Counsel$475.0K$969.3K63
2023Preston MooreChief Credit & Banking Officer$475.0K$879.1K63
2023William Wallace, IVChief Financial Officer$475.0K$850.2K63

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Dec 31, 2021Raised $7.5 million in a private offering of equity Form D: 3 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.2,584,470$132.2M0.0%+114,027
Dimensional Fund Advisors LP1,483,911$75.9M0.0%+58,691
Vanguard Capital Management LLC1,303,783$66.7M0.0%−26,450
State Street Corp1,125,791$57.6M0.0%+140,911
Silvercrest Asset Management Group LLC1,046,519$53.5M0.4%−83,758
Goldman Sachs Group Inc821,653$42.0M0.0%−65,122
Geode Capital Management, LLC754,340$38.6M0.0%+40,665
Kennedy Capital Management LLC669,700$34.3M0.6%−33,335
Royce & Associates LP666,284$34.1M0.3%−180,943
American Century Companies Inc653,054$33.4M0.0%−479
Millennium Management LLC556,437$28.5M0.0%+219,208
Wellington Management Group Llp518,389$26.5M0.0%+5,737
Basswood Capital Management, L.l.c.418,193$21.4M0.9%+14,238
Loomis Sayles & Co L P394,735$20.2M0.0%New
Bank of New York Mellon Corp370,832$19.0M0.0%+1,425
Tributary Capital Management, LLC346,638$17.7M1.5%−10,306
Jpmorgan Chase & Co341,641$17.6M0.0%+47,734
Nuveen, LLC316,350$16.2M0.0%+3,002
Aqr Capital Management LLC305,742$15.6M0.0%+46,893
Endeavour Capital Advisors Inc291,493$14.9M3.1%−11,497
Two Sigma Investments, LP279,516$14.3M0.0%+63,379
Vanguard Portfolio Management LLC274,945$14.1M0.0%+34,202
Northern Trust Corp265,771$13.6M0.0%+14,960
Charles Schwab Investment Management Inc245,855$12.6M0.0%+5,330
Bridgeway Capital Management, LLC222,233$11.4M0.2%+5,542

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Origin Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAROrigin Bancorp, Inc.1
  • CIK0001516912
  • Employer ID (EIN)72-11929285
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
  • Incorporated inLouisiana5
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address500 S Service Road East, Ruston, LA 712701
  • Phone318-242-75001
  • Shares outstanding30,849,678 as of Jul 31, 202612
  • Public float$1.1B as of Jun 30, 20255
  • AuditorForvis Mazars, LLP, Little Rock, Arkansas PCAOB ID 686; it also attests to the company’s internal control over financial reporting5
  • On EDGAR sinceApr 5, 20111
  • Filings615 in all: 4 (304), 8-K (119), 3 (30), 10-Q (26), DEFA14A (13), SC 13G/A (12), 10-K (8), 11-K (8)1
    All 42 form types

    DEF 14A (8), SC 13G (8), 425 (5), CORRESP (5), D (5), S-8 (5), 10-Q/A (4), 4/A (4), ARS (4), UPLOAD (4), 8-A12B (3), CERT (3), FWP (3), S-1/A (3), S-3ASR (3), SCHEDULE 13G/A (3), 10-K/A (2), 25 (2), 424B5 (2), 8-K/A (2), DRS/A (2), EFFECT (2), S-4/A (2), 305B2 (1), 424B3 (1), 424B4 (1), 5 (1), ARS/A (1), DRS (1), DRSLTR (1), PRE 14A (1), S-1 (1), S-4 (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Feb 25, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Mar 13, 2026
    Latest 8-K (8-K) Oct 9, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $5.00 per shareOBKNew York Stock Exchange

From the cover page of the 10-K filed Feb 25, 2026 (Section 12(b) of the Exchange Act).5

Risk factors and legal proceedings

The risks Origin Bancorp, Inc. names in Item 1A of its 10-K filed Feb 25, 2026: 46 risks under these headings, as written.5

  • Risks Related to Our Business
  • Current uncertain economic conditions and increased geopolitical risks pose challenges, and could adversely affect our business, financial condition and results of operations.
  • Unstable global economic conditions may have serious adverse consequences on our business, financial condition, and operations.
  • Changes in interest rates could have an adverse impact on our results of operations and financial condition.
  • Inflationary pressures and rising prices may affect our results of operations and financial condition.
  • Changes to monetary policy by the Federal Reserve could adversely impact our results of operations.
  • We may not be able to adequately measure and limit our credit risk, which could lead to unexpected losses.
  • Our allowance for loan credit losses may prove to be insufficient to absorb losses inherent in our loan portfolio and our earnings could decrease.
  • Because a significant portion of our loan portfolio is comprised of real estate loans, negative changes in the economy affecting real estate values and liquidity could impair the value of collateral securing certain of our loans and result in loan and other losses.
  • The geographic concentration of our markets in Texas, Louisiana, Mississippi, Alabama and Florida makes us more sensitive than our more geographically diversified competitors to adverse changes in the local economy.
  • Our commercial real estate loan portfolio exposes us to risks that may be greater than the risks related to our other mortgage loans.
  • A large portion of our loan portfolio is comprised of commercial loans secured by receivables, inventory, equipment or other commercial collateral, the deterioration in value of which could expose us to credit losses.
The other 35 risks
  • Our loan portfolio contains a number of large loans to certain borrowers, and deterioration in the financial condition of these borrowers could have a significant adverse impact on our asset quality.
  • If we fail to establish and maintain effective internal controls over financial reporting, our financial statements could contain a material misstatement, which could adversely affect our business and financial condition.
  • We rely heavily on our executive management team and other key employees, and the loss of any of these individuals could adversely impact our business or reputation.
  • Unauthorized access, cyber-crime and other threats to data security may require significant resources, harm our reputation, and otherwise cause harm to our business.
  • Our business is susceptible to fraud.
  • Our ability to attract and retain profitable bankers is critical to the success of our business strategy.
  • We will be subject to heightened regulatory requirements if our total assets exceed $10 billion as of December 31 of any calendar year.
  • We will become subject to reduced debit interchange income and could face related adverse business consequences if our total assets grow in excess of $10 billion as of December 31 of any calendar year.
  • We may have exposure to tax liabilities that are larger than we anticipate.
  • The small to medium-sized businesses that we lend to may have fewer resources to weather adverse business developments, which may impair our borrowers’ ability to repay loans.
  • We face significant competition to attract and retain customers, which could impair our growth, decrease our profitability or result in loss of market share.
  • Our ability to maintain our reputation is critical to the success of our business.
  • We may not be able to manage the risks associated with our anticipated growth and expansion through de novo branching.
  • Our financial condition and results of operations may be adversely affected by changes in accounting policies, standards and interpretations.
  • We may pursue acquisitions in the future, which could expose us to financial, execution and operational risks.
  • The markets in which we operate are susceptible to natural disasters, adverse weather and climate change effects, which could result in a disruption of our operations and increases in loan losses.
  • We have a continuing need for technological change, and we may not have the resources to effectively implement new technology, or we may experience operational challenges when implementing new technology.
  • New lines of business, products, product enhancements or services may subject us to additional risks.
  • We are dependent on the use of data and modeling in our management’s decision-making and faulty data, or modeling approaches could negatively impact our decision-making ability or possibly subject us to regulatory scrutiny in the future.
  • A lack of liquidity could impair our ability to fund operations.
  • We may need to raise additional capital in the future, and if we fail to maintain sufficient capital, we may not be able to maintain regulatory compliance.
  • By engaging in derivative transactions, we are exposed to additional credit and market risk.
  • The fair value of our investment securities can fluctuate due to factors outside of our control.
  • We rely on third parties to provide key components of our business infrastructure, and a failure of these parties to perform for any reason could disrupt our operations.
  • We are subject to environmental liability risk associated with our lending activities.
  • We may be subject to claims and litigation pertaining to intellectual property.
  • We and other financial institutions have been the subject of litigation, investigations and other proceedings which could result in legal liability and damage to our reputation.
  • We may be adversely affected by the soundness of other financial institutions.
  • Risks Related to the Regulation of Our Industry
  • We operate in a highly regulated environment and the laws and regulations that govern our operations, corporate governance, executive compensation and accounting principles, or changes in them, or our failure to comply with them, could subject us to regulatory action or penalties.
  • We are subject to stringent capital requirements, which may result in lower returns on equity, require us to raise additional capital, limit growth opportunities or result in regulatory restrictions.
  • We face a risk of noncompliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • Failure by Origin Bank to perform satisfactorily on its Community Reinvestment Act (“CRA”) evaluations could make it more difficult for our business to grow.
  • Increases in Federal Deposit Insurance Corporation insurance premiums could adversely affect our earnings and results of operations.
  • Risks Related to Investing in Our Common Stock
  • The market price of our common stock may be subject to substantial fluctuations, which may make it difficult for you to sell your shares at the volume, prices and times desired.
  • Our dividend policy may change without notice, our future ability to pay dividends is subject to restrictions, and we may not pay dividends in the future. We are dependent on dividends from the Bank to meet our financial obligations and pay dividends to our stockholders.

Legal proceedings

We are subject to various legal actions that arise from time to time in the ordinary course of business. While the ultimate outcome of pending proceedings cannot be predicted with certainty, at this time, management does not expect any such proceedings, either individually or in the aggregate, would have a material adverse effect on our consolidated financial position or results of operations. However, one or more unfavorable outcomes in any legal action against us could have a material adverse effect for the period in which they are resolved. In addition, regardless of their merits or their ultimate outcomes, such matters are costly, divert management’s attention and may materially adversely affect our reputation, even if resolved in our favor.

The opening of Item 3, Legal Proceedings.5

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