Financial Data and Key Metrics Changes - The company reported an adjusted ROA of 1.34% and adjusted ROE of 13.14% for the quarter [10] - The estimated tangible book value earn-back period was lowered to 1.6 years following the merger with BTH [8] - Net interest margin improved by approximately 40 basis points for the second consecutive quarter [10] Business Line Data and Key Metrics Changes - Organic loan growth for the quarter was strong, with loans growing by $215.3 million or 3.5% compared to the linked quarter, equating to a 14% annualized growth rate [13] - Non-interest-bearing deposits increased by $91.2 million or 3.5%, representing a 14% annualized growth [15] - Total deposits declined for the quarter due to a significant customer transaction and a strategic decision to allow some non-core funding to leave the bank [15] Market Data and Key Metrics Changes - The company enhanced its core presence in East Texas and the Dallas-Fort Worth markets following the BTH merger [9] - The cumulative total deposit beta was reported at 16%, while the cumulative NIM beta was at 40% [15] Company Strategy and Development Direction - The company aims to build long-term value and has taken major steps to strengthen its position moving forward [11] - The focus remains on relationship-based banking and capitalizing on growth opportunities in Texas, Louisiana, and Mississippi [13] - The company is committed to maintaining a unique corporate culture while pursuing profitable growth [31] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about core profitability and loan growth, despite potential economic headwinds [10][21] - The company anticipates additional net interest margin expansion, loan and deposit growth, and stability in credit metrics for the fourth quarter [33] - Management is closely monitoring the impact of inflation and potential recession on the loan portfolio [20][21] Other Important Information - The company reported total non-interest expense of $56.2 million, an increase of $12.1 million primarily due to merger-related expenses and increased salaries [27] - The company remains well-capitalized and is positioned to take advantage of future growth opportunities [28] Q&A Session Summary Question: Thoughts on the acquisition and changes in marks - Management noted that the deal metrics improved post-merger despite changes in the interest rate environment affecting EPS accretion [39][41] Question: Pipeline of deposit growth and expectations for the fourth quarter - Management indicated strong growth in non-interest-bearing deposits and a strategic focus on core deposits, particularly in East Texas [54] Question: Loan growth expectations for the fourth quarter and next year - Management expects low-double digit growth in loans for the fourth quarter and high-single digit growth for 2023, emphasizing strict underwriting standards [56][57] Question: Stability of the balance sheet and adjustments - Management anticipates ending the year around $9.8 billion in assets, with a focus on maintaining balance sheet stability [66] Question: Expense trajectory and cost savings - Management expects non-interest expenses to be between $57 million and $58 million for the fourth quarter, with mid-single digit increases anticipated for 2023 [67]

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 ...

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, 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) (State or other jurisdi ...

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 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q 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) (State or other jurisdiction of incorporation or organization) Louisiana 72-1192928 (I.R.S. Employer Identification Number) 500 South Service Road East Ruston, Louisiana ...

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 ...

ORIGIN BANCORP, INC. ORIGIN BANCORP, INC. _______ 1Q 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 ...

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, 2021 ☐ 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) (State or other jurisdiction o ...

ORIGIN BANCORP, INC. _______ ORIGIN BANCORP, INC. 4Q AND FULL YEAR TWENTY21 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 loa ...