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 ...

Financial Data and Key Metrics Changes - The company reported record net income of $28.3 million for Q4 2021, translating to $1.20 diluted earnings per share, and a full-year net income of $108.5 million or $4.60 diluted earnings per share [11][12] - The net interest margin (NIM) was 3.06% on a tax-equivalent basis, with an efficiency ratio of 56.92% [11][12] - Pre-tax pre-provision earnings increased by 17% year-over-year to $122 million for 2021 [12] Business Line Data and Key Metrics Changes - Loans grew by 5.7% quarter-over-quarter, excluding PPP and mortgage warehouse, which annualizes to 23% [9][18] - Year-over-year loan growth was 9.9%, amounting to an increase of $404 million [10][18] - Average non-interest bearing deposits increased by $145 million quarter-over-quarter and $425 million year-over-year, representing a 25.2% increase [20][22] Market Data and Key Metrics Changes - The Texas market was a significant driver of growth, with loans increasing by $373 million and deposits by $558 million in 2021 [13][14] - The company achieved a compound annual growth rate of over 21% in loans and 28% in deposits over the last five years [14] Company Strategy and Development Direction - The company focuses on creating sustainable long-term value through efficient expense management and strategic investments in people and infrastructure [7][13] - There is a strong emphasis on growing non-interest bearing deposits and leveraging technology to enhance client experience and operational efficiency [20][23] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving high single-digit loan growth in 2022, with a budgeted target of 10% loan growth [52][54] - The company is closely monitoring economic conditions, including the impact of the Omicron variant and inflationary pressures, but remains pleased with the stability of its portfolio [29][39] Other Important Information - The company completed the acquisition of the remaining 62% of the Lincoln insurance agency, resulting in a $5.2 million fair value gain [39] - The allowance for credit losses was reduced to $64.6 million, reflecting improved credit quality and economic forecasts [28] Q&A Session Summary Question: What drove the loan growth in Q4 and expectations for 2022? - Management noted that Texas was the primary driver of loan growth, with a pipeline of $300 million entering Q4 and a budgeted target of 10% loan growth for 2022 [51][52] Question: How sticky is the deposit growth and expectations for 2022? - Management indicated that non-interest bearing deposits have increased to 33% of total deposits and that they expect continued growth despite seasonal fluctuations [55][56] Question: What are the expectations for fee income in Q1? - Insurance income is expected to increase to about $20 million in 2022, with mortgage income projected to grow by 6% [61][62] Question: What is the outlook for expenses in 2022? - The company anticipates a 3.1% increase in core bank expenses, with an additional 3.4% increase due to insurance acquisitions [70][72] Question: How does the company view traditional bank M&A? - Management remains open to traditional bank M&A but emphasizes a disciplined approach focused on partnerships that enhance existing market positions [98][99]

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 September 30, 2021 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 ju ...

Origin Bancorp, Inc. (OBNK) Q3 2021 Earnings Conference Call October 28, 2021 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 of Origin Bank Jim Crotwell - Chief Risk Officer Stephen Brolly - Chief Financial Officer Conference Call Participants Matt Olney - Stephens Inc. Brady Gailey - Keefe, Bruyette, & Woods, Inc. Bradley Milsaps - Piper Sandler & Co. Kevin Fitzsimm ...

ORIGIN BANCORP, INC. _______ ORIGIN BANCORP, INC. 3Q 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 loan loss reserve ...

Financial Performance - Q2 2020 - Total Loans Held For Investment ("LHFI") increased to $5312194 thousand, a 333% year-over-year increase[7] - Total Assets reached $6643909 thousand, a 298% increase compared to the previous year[7] - Total Deposits grew to $5372222 thousand, marking a 394% year-over-year increase[7] - Net Income was $4957 thousand, a 596% decrease year-over-year[7] - Pre-Tax Pre-Provision Earnings ("PTPP") increased to $27146 thousand, a 592% increase compared to the same period last year[7] Financial Performance - 1H 2020 - Net Interest Income increased to $89100 thousand, a 48% increase year-over-year[10] - Provision for Credit Losses significantly increased to $39934 thousand, a 12356% increase compared to the first half of 2019[10] - Net Income decreased to $5710 thousand, a 784% decrease year-over-year[10] - PTPP reached $46003 thousand, a 303% increase compared to the first half of 2019[10] Loan Portfolio and Forbearance - As of June 30, 2020, forbearances represented 21% of total LHFI, excluding PPP loans, which decreased to 8% by August 31, 2020[15] - The company funded $563 million in PPP loans with an average loan size of $185 thousand[17] - The hotel sector had $64043 thousand in outstanding balance, with 864% of loans in forbearance as of August 31, 2020[31] - The energy sector had $62695 thousand in outstanding balance, with 168% of loans in forbearance as of August 31, 2020[40] - The non-essential retail sector had $146566 thousand in outstanding balance, with 344% of loans in forbearance as of August 31, 2020[47]