Q4 2025 Origin Bancorp Inc Earnings Call Transcript
Key Points
- Origin Bancorp Inc (OBK) achieved its short-term goal of a 1% or greater ROA run rate by the fourth quarter of 2025.
- Loan originations increased approximately $500 million or 37% year-over-year, with loan and swap fees increasing 57% over the same period.
- Net interest income (NII) was up 10.2%, and total revenue, excluding notable items, was up 8.8%.
- The company reported a run rate return on average assets of 1.19%, surpassing the targeted 1% plus run rate.
- Origin Bancorp Inc (OBK) has a strong liquidity position, having replaced all broker deposits with core deposits.
- Total deposits declined 0.3% during the quarter, although this was partially due to a temporary sale of interest-bearing deposits.
- Noninterest income declined to $16.3 million from $17.1 million, largely due to a reduction in swap fee income and normal seasonality in the insurance segment.
- Net charge-offs for the quarter were $3.2 million, representing a 0.17% annualized charge-off rate.
- Nonperforming assets declined but remained at 1.07% at year-end, indicating ongoing credit quality challenges.
- The company anticipates slight margin compression in Q1 due to timing differences in loan versus deposit repricing following recent Fed rate cuts.
Good morning, and welcome to the Origin Bancorp Inc fourth-quarter 2025 earnings call. My name is David, and I'll be your Evercall coordinator. The format of the call includes prepared remarks from the company followed by a question and answer session. (Operator Instructions).
I would now like to turn the conference call over to Chris Reigelman, Director of Investor Relations. Please go ahead.
Good morning, and thank you for joining us today. We issued our earnings press release yesterday afternoon, a copy of which is available on our website, along with the slide presentation that we will refer to during this call.
Please refer to page 2 of our slide presentation, which includes our safe harbor statements regarding forward-looking statements and use of non-GAAP financial measures. For those of you joining by the phone, please note the slide presentation is available on our website at ir.origin.bank. Please also note that our safe harbor statements are available on page 7 of our
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