Origin Bancorp, Inc. (NYSE: OBK)

Origin Bancorp, Inc. is a financial holding company headquartered in Ruston, Louisiana. The company conducts its primary banking operations through its wholly owned subsidiary, Origin Bank. It also offers insurance agency products and services via its wholly owned subsidiary, Forth Insurance, LLC. As of December 31 2025, Origin Bancorp reported total assets of $9.72 billion, total loans held for investment of $7.67 billion, and total deposits of $8.31 billion. The institution serves customers across Texas, Louisiana, Mississippi, South Alabama, and the Florida Panhandle through a network of more than 56 banking locations.

The company generates revenue chiefly from interest income on its loan portfolio. Additional revenue comes from fees on deposit services, treasury management, and other banking related services. Mortgage banking activities contribute income from the origination and sale of residential mortgage loans. The insurance agency segment produces commission and fee income from property and casualty policies. Altogether, these streams serve a diverse mix of business, municipal, and individual clients throughout the firm's geographic footprint.

Origin Bancorp, Inc. operates through a single reported business segment. This segment is designated as community banking and encompasses the firm's core banking and related activities. Insurance operations conducted through Forth Insurance are included within this segment for reporting purposes. The company does not disclose any additional operating segments beyond community banking.

• Community banking: This segment accepts deposits from individuals, businesses, and municipalities and uses those funds to originate commercial, residential mortgage, construction, and consumer loans while also delivering treasury management and other related financial services.

Origin Bancorp, Inc. competes with large national banks that operate in its regional markets as well as with numerous regional and community banks. The firm differentiates itself by emphasizing a relationship based approach and localized decision making. Its competitive advantages include a strong core deposit franchise, experienced relationship bankers, and a focus on maintaining high credit quality. The company also leverages its investments in technology and infrastructure to improve efficiency and support growth. These factors enable Origin Bancorp to attract and retain customers despite the presence of larger competitors with greater resources.

The company's customer base consists of small, medium, and large businesses, municipalities, and individual consumers. At December 31 2025, business deposits accounted for 56.9% of total deposits, consumer deposits represented 31.3%, and public fund deposits made up 11.8%. While specific customer names are not disclosed in the filing, the institution serves a wide array of industries including healthcare, manufacturing, construction, energy, technology, and agriculture. This diversified base helps to stabilize revenue and reduce reliance on any single sector or client type.