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Origin Bancorp (OBK) investor relations material
Origin Bancorp Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Net income for Q3 2025 was $8.6 million ($0.27 diluted EPS), down significantly year-over-year and sequentially, mainly due to a $29.5 million provision for credit losses from suspected borrower fraud and questioned banker activity.
Net interest income reached $83.7 million, the highest in ten quarters, with NIM-FTE expanding to 3.65% from 3.61% sequentially.
The Optimize Origin initiative, launched in January 2025, drove operational improvements, including branch consolidation, headcount reduction, and a $7.0 million fair value gain from an equity investment in Argent Financial.
265,248 shares were repurchased in Q3 2025 at an average price of $35.85 per share.
Book value per share increased to $39.23, and tangible book value per share to $33.95.
Financial highlights
Total loans held for investment were $7.54 billion, down from $7.68 billion in 2Q25; total deposits increased to $8.33 billion from $8.12 billion sequentially.
Pretax pre-provision (PTPP) earnings rose to $47.8 million, up 122% sequentially, reflecting strong core operating performance.
Net interest margin (NIM-FTE) expanded by 47 bps year-over-year to 3.65% in Q3 2025.
Noninterest income rose to $26.1 million, driven by a $7.0 million fair value gain and $1.2 million in equity method income from Argent Financial.
Noninterest expense was stable at $62.0 million, reflecting lower salaries and professional services costs.
Outlook and guidance
The company is executing the Optimize Origin initiative, targeting a >1% ROAA run rate by Q4 2025 and top quartile ROAA longer term.
Loan growth guidance reduced to flat for the year, with low single-digit deposit growth expected; NIM projected at 3.65% (+/- 3 bps) for Q4 2025 and 3.60% (+/- 3 bps) for 2025.
Noninterest income is expected to grow at a high-single-digit rate, while noninterest expense is projected to decline low single digits.
The additional investment in Argent Financial is projected to provide a pre-tax annualized benefit of approximately $6.0 million starting Q4 2025.
Tax rate guidance is approximately 21%.
Quantify Optimize Origin's Q3 PTPP earnings impact
Tricolor Holdings fraud: Total financial impact?
Argent investment: Expected annualized pre-tax benefit?
Detail Tricolor recovery timeline and factors
Explain loan growth strategy vs paydowns
Outline next Optimize Origin initiatives
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Next Origin Bancorp earnings date
Q4 202522 Jan, 2026
Next Origin Bancorp earnings date
Q4 202522 Jan, 2026
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Frequently asked questions
Origin Bancorp Inc is a bank holding company that operates through its subsidiary, Origin Bank, offering a range of financial services to individuals and businesses. The company provides commercial and consumer loans, deposit products, treasury management, and mortgage lending services. It serves a diverse customer base including small to mid-sized businesses, commercial real estate clients, and individual consumers.
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