Origin Bank(US:OBK)2025-04-24 21:48Financial Performance Highlights - Origin Bancorp's annualized Return on Average Assets (ROAA) was 093% for 1Q25, an increase of 036% compared to 4Q24[35] - Pre-Tax, Pre-Provision (PTPP) annualized ROAA was 132% for 1Q25, up 082% from the previous quarter[35] - Net Interest Income (NII) reached $785 million in 1Q25, the highest level in eight quarters, reflecting a 01% increase compared to 4Q24[38] - Total deposits amounted to $834 billion in 1Q25, representing a $1153 million or 14% increase from 4Q24[38] Strategic Initiatives and Outlook - The company aims for a 1%+ ROAA run rate by 4Q25[17] - Production optimization is expected to yield ~$115 million in annualized pre-tax benefits[20] - Securities optimization is projected to generate ~$69 million in annualized pre-tax benefits[20] - Total estimated annualized benefit from optimization initiatives is ~$234 million[20] Loan Portfolio and Credit Quality - Total Loans Held for Investment (LHFI) were $7586 billion as of March 31, 2025[35,40] - Texas franchise represents 71% of LHFI and 55% of deposits as of March 31, 2025[49] - Nonperforming LHFI to LHFI ratio was 107%[61]