Origin said FY 2025 net income fell 1.7% to USD 75.2 million, with diluted EPS of USD 2.40 versus USD 2.45 in FY 2024; ROAA was 0.77% and ROAE was 6.24%. Net interest income rose 10.2% to USD 331.0 million, and net interest margin (FTE) increased to 3.61% from 3.22%, as interest expense declined USD 57.2 million, led by lower costs on interest-bearing deposits. Provision for credit losses was USD 46.3 million, including impacts tied to borrower fraud at Tricolor Holdings, LLC, which Origin said reduced FY 2025 diluted EPS by USD 0.77; net charge-offs were USD 39.6 million. Noninterest income increased 8.0% to USD 59.8 million, helped by higher swap fee income and insurance recoveries, while noninterest expense decreased 0.9% to USD 248.9 million as headcount fell to 988 FTE employees following the Optimize Origin initiative. At December 31, 2025, Origin reported total assets of USD 9.72 billion and total deposits of USD 8.31 billion; loans held for investment were USD 7.67 billion, with growth in mortgage warehouse lines of credit and residential real estate loans offset by lower construction/land/land development balances. The company also highlighted a larger equity method investment position (USD 67.5 million) after increasing its ownership in Argent Financial Group above 20% on July 1, 2025. Origin’s board declared FY 2025 common dividends of USD 0.60 per share and the company repurchased USD 15.8 million of common stock during FY 2025 under its repurchase programs.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Origin Bancorp Inc. published the original content used to generate this news brief via EDGAR, the Electronic Data Gathering, Analysis, and Retrieval system operated by the U.S. Securities and Exchange Commission (Ref. ID: 0001516912-26-000011), on February 25, 2026, and is solely responsible for the information contained therein.