Origin Bancorp, Inc., headquartered in Ruston, Louisiana, reported a net income of $75.2 million for the year ended December 31, 2025, a slight decrease of 1.7% compared to the $76.5 million reported for the year ended December 31, 2024. The company's diluted earnings per share were $2.40, down from $2.45 in the previous year. At the close of 2025, Origin Bancorp held total assets of $9.72 billion, loans held for investment of $7.67 billion, deposits of $8.31 billion, and stockholders’ equity of $1.25 billion.
The company's financial performance in 2025 was impacted by a borrower fraud incident involving Tricolor Holdings, LLC, which negatively affected diluted EPS by $0.77. In 2024, the company's financial performance was impacted by certain questioned activity involving a former banker which negatively affected diluted EPS by $0.29. Net interest income increased by 10.2% to $331.0 million, driven by a $57.2 million decrease in interest expense, partially offset by a $26.6 million decrease in total interest income. The net interest margin (NIM-FTE) improved by 39 basis points to 3.61%, primarily due to an expanding interest rate spread.
Strategic developments included the "Optimize Origin" initiative, aimed at driving financial performance and enhancing company culture. This initiative established a near-term target of greater than a 1% ROAA run rate by the fourth quarter of 2025 and an ultimate target of top quartile ROAA. The company exceeded its original goal in delivering a ROAA run rate of 1.19% for the fourth quarter of 2025. Looking ahead to 2026, the company's goal is to achieve an ROAA run rate of 1.15% or higher by the fourth quarter of 2026.
Key operational developments included a shift in the loan portfolio composition. Commercial real estate loans increased to $2.52 billion, while construction/land/land development loans decreased to $611.2 million. Mortgage warehouse lines of credit saw a significant increase to $528.8 million. The company also restructured its residential mortgage loan delivery through a correspondent relationship to reduce financial volatility. At the end of 2025, the company had 988 full-time equivalent employees and continued to invest in talent development and community engagement programs.
About Origin Bancorp, Inc.
Origin Bancorp, Inc. is a Louisiana-based financial holding company operating Origin Bank, a community bank providing personalized banking, commercial and consumer loans, deposit services, mortgage banking, and insurance. Serving markets across Texas, Louisiana, Mississippi, Alabama, and Florida, it emphasizes relationship banking, asset quality, and community engagement. The company leverages technology, strategic acquisitions, and a diverse product suite to support stable growth and customer-centric financial solutions.
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