UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to __________ Commission file number 001-38487 Origin Bancorp, Inc. (Exact name of registrant as specified in its charter) Louisiana 72-1192928 (S ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to __________ Commission file number 001-38487 Origin Bancorp, Inc. (Exact name of registrant as specified in its charter) Louisiana 72-1192928 ( ...

财务数据和关键指标变化 - 公司在第一季度报告了每股摊薄收益0.79美元,剔除证券出售收益后每股收益为0.78美元 [36] - 公司存款在第一季度增长5.1%,年化增长超过20%,其中包括2.84亿美元的经纪存款 [37] - 剔除经纪存款,公司存款仍增长1.5%,年化增长约6% [37] - 公司净息差在第一季度收缩37个基点至3.44%,剔除会计核算影响后净息差也收缩37个基点至3.36% [42] - 公司为应对流动性风险,在3月初增加了7亿美元的超额流动性,这对第一季度的净息差产生了6个基点的负面影响 [43] 各条业务线数据和关键指标变化 - 公司贷款组合(不含抵押贷款仓库)在第一季度增长3.4% [22] - 公司保险业务收入在第一季度达到7百万美元,较上年同期有所增长 [108][109] - 公司抵押贷款仓库业务规模在季末大幅高于季度平均水平 [126] 各个市场数据和关键指标变化 - 公司在路易斯安那州、密西西比州和东德克萨斯州的农村市场存款保持增长 [122][123] - 公司在第一季度新开户数同比增长46% [123] 公司战略和发展方向及行业竞争 - 公司将继续专注于贷款和存款的增长,定价,信贷质量,流动性和资本管理 [23] - 公司将利用在达拉斯-沃斯堡和休斯顿等动态市场的优势,以及在路易斯安那州、密西西比州和新并购的东德克萨斯州的强大团队,继续推动价值创造 [52] - 公司将保持谨慎的信贷文化,并将继续密切关注经济衰退对其贷款组合的影响 [31][32] 管理层对经营环境和未来前景的评论 - 公司管理层对公司的长期战略和实力表示信心,认为公司有能力渡过当前的不确定时期 [10][15] - 公司管理层认为,近期银行业出现的问题不会改变公司的长期战略,而是采取了谨慎的流动性管理措施来应对 [12][53] - 公司管理层预计,存款竞争和成本压力将在未来一两个季度内持续,但有信心公司的净息差将在第二或第三季度触底并趋于稳定 [87][88] 问答环节重要的提问和回答 问题1 **Matt Olney 提问** 询问公司经纪存款的利率水平以及未来存款成本和净息差的预期 [60][62] **Wally Wallace 回答** 公司经纪存款的初始利率为4.9%,目前新增存款成本在5%左右。公司预计未来存款成本上升压力将持续,存款beta可能会超过50%,但公司净息差预计将在未来一两个季度触底并趋于稳定 [61][87][88] 问题2 **Matt Olney 提问** 询问公司新增的不良贷款情况,特别是并购BTH银行后新增的不良贷款 [67] **Drake Mills 和 Jim Crotwell 回答** 公司对并购资产进行了全面审查,发现部分贷款质量存在问题,公司采取了积极的措施进行分类和计提拨备。但总体来看,公司的信贷质量仍处于较好水平 [68][69][70][71] 问题3 **Brady Gailey 提问** 询问公司保险业务收入的未来趋势 [107] **Drake Mills 回答** 公司保险业务收入有望在2023年实现单位数到中高个位数的增长,主要得益于业务整合、费率上升以及从损失比例向业务量驱动的佣金模式转变等因素 [108][109][110]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ____________ to __________ Commission file number 001-38487 Origin Bancorp, Inc. (Exact name of registrant as specified in its charter) Louisiana 72-1192928 (State ...

Origin Bancorp, Inc. (OBNK) Q4 2022 Earnings Conference Call January 26, 2023 9:00 AM ET Company Participants Chris Reigelman - IR Drake Mills - Chairman, President and CEO Lance Hall - President and CEO, Origin Bank Jim Crotwell - Chief Risk Officer Wally Wallace - Chief Financial Officer Conference Call Participants Matt Olney - Stephens Michael Rose - Raymond James Brad Milsaps - Piper Sandler Woody Lay - KBW Operator Good day, and welcome to the Origin Bancorp Fourth Quarter and Full Year 2022 Earnings ...

Origin Bancorp, Inc. (OBNK) Q3 2022 Earnings Conference Call October 27, 2022 9:00 AM ET Company Participants Chris Reigelman - Head, Investor Relations Drake Mills - Chairman, President and Chief Executive Officer Lance Hall - President and Chief Executive Officer, Origin Bank Steve Brolly - Chief Accounting Officer Jim Crotwell - Chief Risk Officer Wally Wallace - Chief Financial Officer Preston Moore - Chief Credit and Banking Officer Conference Call Participants Michael Rose - Raymond James Matt Olney - ...

ORIGIN BANCORP, INC. 3Q TWENTY22 INVESTOR PRESENTATION FORWARD-LOOKING STATEMENTS AND NON-GAAP MEASURES This presentation contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include information regarding Origin Bancorp, Inc.'s ("Origin" or the "Company") future financial performance, business and growth strategy, projected plans and objectives, including the Company's loan loss reserves and allowance for credit lo ...

Origin Bancorp, Inc. (OBNK) Q2 2022 Earnings Conference Call July 28, 2022 9:00 AM ET Company Participants Chris Reigelman – Head of Investor Relations Drake Mills – Chairman, President and Chief Executive Officer Lance Hall – President and Chief Executive Officer, Origin Bank Jim Crotwell – Chief Risk Officer Steve Brolly – Chief Financial Officer Conference Call Participants Matt Olney – Stephens Kevin Fitzsimmons – D.A. Davidson Woody Lay – KBW Operator Good morning, ladies and gentlemen, and welcome to ...

ORIGIN BANCORP, INC. ORIGIN BANCORP, INC. _______ 2Q TWENTY22 INVESTOR PRESENTATION FORWARD-LOOKING STATEMENTS AND NON-GAAP MEASURES This presentation contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include information regarding Origin Bancorp, Inc.'s ("Origin" or the "Company") future financial performance, business and growth strategy, projected plans and objectives, including the Company's loan loss reserve ...

Origin Bancorp, Inc. (OBNK) Q1 2022 Results Earnings Conference Call May 2, 2022 9:00 AM ET Company Participants Chris Reigelman - Head of Investor Relations Drake Mills - Chairman, President and Chief Executive Officer Lance Hall - President and Chief Executive Officer, Origin Bank Jim Crotwell - Chief Risk Officer Stephen Brolly - Chief Financial Officer Conference Call Participants Matt Olney - Stephens, Inc. Kevin Fitzsimmons - D.A. Davidson Companies Operator Good morning and welcome to the Origin Banc ...