OBK Origin Bancorp, Inc.

Overview and Growth

Origin Bancorp, Inc. recorded fiscal 2025 net income of $75.20M. The company reported diluted EPS of $2.40, adding a shareholder-level measure to the absolute income figures considered below. The per-share result recorded a 2.0% decrease from fiscal 2024 diluted EPS of $2.45. Diluted shares averaged 31.33M; this is the reported share base over which the company’s diluted per-share earnings were spread. The diluted share count was 0.4% higher than fiscal 2024, when diluted shares averaged 31.20M, adding context to the EPS comparison. The bank reported $9.72B of total assets, the resource base supporting its lending, investing, and other financial activities and the basis for assessing earnings returns, capitalization, liquidity, and its shareholder-capital buffer.

Profitability

Bottom-line earnings totaled $75.20M for the fiscal year. Before income taxes, the company reported $95.64M of earnings, providing a bridge between the operating result and final net income. Income tax expense totaled $20.44M, providing the reported tax component that separates pretax and after-tax earnings. The income-tax provision equaled 21.4% of pretax income, showing the tax burden absorbed by the year’s earnings. The relationship between net income and period-end equity was 6.0%, indicating the profitability achieved on book capital. The net-income-to-assets relationship measured 0.8%, showing earnings relative to the full balance sheet. The company moved from fiscal 2024 net income of $76.49M to $75.20M, with the current outcome ending below that comparison. For a banking business, profitability is best read through net income together with returns on the asset base and shareholder capital. Asset-based returns show the earnings produced by the bank’s full balance sheet, while equity-based returns relate that result specifically to the shareholder-capital base and clarify the relationship between them.

Liquidity and Capital Structure

Total assets were $9.72B, supported by $8.48B of liabilities and $1.25B of shareholder equity. The company held $424.22M in cash and equivalents, a narrower liquidity measure than total current assets. The equity-to-assets relationship was 12.8%, placing book capital against the total resource base. The liabilities-to-assets relationship was 87.2%, placing reported obligations against the full positive asset balance. The cash-to-assets relationship was 4.4%, comparing reported cash and equivalents with the full positive asset balance. The asset base changed 0.5% from $9.68B in fiscal 2024, leaving current total assets higher year over year. Book equity was 8.9% higher than fiscal 2024 equity of $1.15B, showing how shareholder capital changed year over year. Compared with $470.25M in fiscal 2024, the current cash balance moved 9.8% and finished lower. Equity capitalization is particularly important for a bank because it provides the loss-absorbing layer beneath a predominantly liability-funded balance sheet. For a bank, asset growth describes the changing scale of the financial balance sheet, and equity growth shows whether the shareholder-capital layer moved in the same direction.

Based on the annual report for the fiscal year ending Dec 31, 2025. Analysis generated Sep 24, 2026.