Origin Bank
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Data as of · sourced from FFIEC call reports. How we update
Origin Bank is an FDIC-insured commercial bank headquartered in Choudrant, LA, established in 1912 (FDIC certificate 12614), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $10.18B, up 6.2% from Q2 2025, the largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 12.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 12614
- Headquarters
- Choudrant, LA
- Established
- 1912
- Total assets, Q2 2026
- $10.18B
- Assets vs Q2 2025
- +6.2%
- CET1 ratio, Q2 2026
- 12.80%
- Domestic offices
- 59 FDIC institution directory, current count
- Routing number
- 111102758
- Latest call report
- Q2 2026, FFIEC 041 · Origin Bank call report
- Holding company
- ORIGIN BANCORP, INC.
- Asset rank in state
- 1st of 102 in Louisiana
Little in Origin Bank's latest call report stands out. The Choudrant, Louisiana bank had $10.2 billion in assets at June 30, 2026, up 6.2% from a year earlier. On most measures it sits near the middle of the 127 banks with $10 billion to $100 billion in assets.
Earnings jumped: net income for the quarter was $35 million, 127% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 0.97% of loans, down from 1.11% a year earlier. Funding is the softer spot: it holds about half of its deposits (49%) above the FDIC insurance limit, higher than about three-quarters of banks its size (median 38.6%).
As of June 30, 2026, Origin Bank reported a CET1 capital ratio of 12.80%, a return on assets of 1.41%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 6.84%. The figures come from its call report filed with the FFIEC.
Of the 102 banks headquartered in Louisiana, Origin Bank is the largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $10.18B, loans rose 2.6% and deposits fell 0.8%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 20.1% of total loans, followed by non-owner-occupied commercial real estate loans at 19.6%. Its 59 offices in the FDIC Summary of Deposits are in 37 cities across 5 states; its Houston 9 offices book 17% of its branch deposits. Judged on its Q2 2026 call report, Origin Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3921 Elm St, Choudrant, LA 71227
- County
- Lincoln
- Metro Area
- Ruston, LA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 041
- Established
- November 23, 1912
- Former names
- Community Trust Bank (1987-2015); The Bank of Choudrant (1970-1987)
- Domestic offices
- 59 FDIC institution directory, current count
- Employees (FTE)
- 857
- Domestic deposits
- $8.72B
- Allowance for credit losses
- $98.2M
- Net charge-offs (YTD)
- $3.2M
- Average total assets
- $10.01B
- Average total loans
- $7.96B
- Average interest-bearing deposits
- $8.01B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12614
- Fed RSSD
- 667757
- SEC CIK
- 1516912 → filed by ORIGIN BANCORP, INC.
- Website
- www.origin.bank →
- Parent Holding Company
- ORIGIN BANCORP, INC. (RSSD 1885307) · OBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Drake Mills | CEO | Chairman, President and CEO |
| Willliam J Wallace Iv | CFO | Chief Financial Officer |
| Hall Martin Lance | COO | OBK COO, Origin Bank Pres&CEO |
| Preston Moore | CCO | Chief Credit & Banking Officer |
| Jim Crotwell | CRO | Chief Risk Officer |
| Derek Mcgee | GC | Chief Legal Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Origin Bank's total assets moved between a low of $9.58B (Q2 2025) and a high of $10.18B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$10.18B total assets against $9.58B; $8.99B total liabilities against $8.44B.
$7.98B net loans and leases against $7.60B; $8.72B total deposits against $8.20B.
$1.15B securities against $1.14B; $546.5M cash and balances due against $334.1M.
$135.7M total interest income against $133.8M; $43.3M total interest expense against $51.4M.
$92.4M net interest income against $82.4M.
$8.6M total noninterest income against $9.0M; $55.9M total noninterest expense against $54.3M.
$65K provision for credit losses against $2.9M.
$35.2M net income against $15.5M.
1.41% return on assets against 0.64%; 3.88% net interest margin against 3.57%.
12.80% CET1 capital ratio against 13.13%; 11.37% tier 1 leverage ratio against 11.24%.
Inside the full Origin Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Origin Bank rankings
Its closest position to the top of a national ranking is 156 of 4,196, for total assets; its furthest is 1,468 of 2,134, for CET1 ratio.
Metric pages for Origin Bank: Uninsured deposits.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q3 2025) to 1.41% (Q2 2026) and its net interest margin ran from 3.19% (Q3 2024) to 3.88% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.80% | 1.41% | 0.97% | 6.84% | 3.88% |
| Q1 2026 | 12.78% | 1.04% | 1.11% | 7.87% | 3.64% |
| Q4 2025 | 12.62% | 1.25% | 1.06% | 7.46% | 3.78% |
| Q3 2025 | 12.93% | 0.15% | 1.17% | 8.18% | 3.68% |
| Q2 2025 | 13.13% | 0.64% | 1.11% | 7.96% | 3.57% |
| Q1 2025 | 13.41% | 0.96% | 1.07% | 7.67% | 3.40% |
| Q4 2024 | 13.29% | 0.67% | 0.99% | 7.43% | 3.35% |
| Q3 2024 | 12.43% | 0.89% | 0.81% | 6.60% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 59 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Ruston Financial Center | Ruston , LA | 71270 | $1.16B |
| Dallas Financial Center Branch | Dallas , TX | 75219 | $690.5M |
| Forsythe Banking Center | Monroe , LA | 71201 | $665.9M |
| Upper Kirby Financial Center Branch | Houston , TX | 77098 | $583.6M |
| Market Street Banking Center | Shreveport , LA | 71101 | $522.7M |
| Preston Banking Center | Dallas , TX | 75225 | $386.0M |
| Memorial City Financial Center Branch | Houston , TX | 77024 | $286.8M |
| Highland Colony Financial Center | Ridgeland , MS | 39157 | $286.3M |
| Hall Park Financial Center | Frisco , TX | 75034 | $266.6M |
| West University Banking Center | Houston , TX | 77005 | $236.4M |
| Bth Bank Longview Branch | Longview , TX | 75605 | $235.7M |
| Tyler Branch | Tyler , TX | 75703 | $216.4M |
| Monroe Financial Center | Monroe , LA | 71201 | $198.6M |
| Bth Bank, National Association Branch | Quitman , TX | 75783 | $187.5M |
| West Monroe Financial Center | West Monroe , LA | 71291 | $171.3M |
| Shreveport Financial Center | Shreveport , LA | 71105 | $158.9M |
| Fort Worth Branch | Fort Worth , TX | 76107 | $152.8M |
| Flowood Banking Center Branch | Flowood , MS | 39232 | $149.9M |
| Farmerville Financial Center | Farmerville , LA | 71241 | $134.0M |
| Woodlands Financial Center Branch | The Woodlands , TX | 77381 | $115.1M |
| River Oaks Banking Center Branch | Houston , TX | 77019 | $108.9M |
| Museum District Branch | Houston , TX | 77004 | $101.6M |
| 7th Street Banking Center | Fort Worth , TX | 76107 | $94.9M |
| Tanglewood Branch | Houston , TX | 77057 | $75.0M |
| Camp Bowie Banking Center | Fort Worth , TX | 76107 | $74.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 8, 2022 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 8, 2022 | Structure Change | Acquired BTH Bank, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2015 | Structure Change | Acquired Community Trust Services Corporation Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2013 | Structure Change | Acquired Cimarron Mortgage Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 2010 | Structure Change | Acquired Community Trust Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 26, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 26, 2010 | Structure Change | Acquired Madison County Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 19, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 19, 2010 | Structure Change | Acquired First Louisiana Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 2005 | Structure Change | Acquired First United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 16, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 11, 1987 | Structure Change | Acquired Bank of Bernice Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 5, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 14 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (SEC Form 8-K)
- February 24, 2022, SEC Form 8-K: 8-K Item 1.01: written agreement
- Period: Most recent institution action February 24, 2022. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.5% of deposits in LA, rank 7 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,338 applications, 976 loans originated, $458.5M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $1.8M approved, $875K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Origin Bank
What are Origin Bank's total assets?
As of the Q2 2026 filing, Origin Bank reported total assets of $10.18 billion in its FFIEC call report.
Where is Origin Bank headquartered?
It is headquartered in Choudrant, LA, United States.
When was Origin Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Origin Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Origin Bank?
Origin Bank's primary federal regulator is the Federal Reserve.
What is Origin Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Origin Bank operate?
It operates 59 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Origin Bank's Texas Ratio?
Its Texas Ratio is 6.84% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Origin Bank previously called?
The charter now named Origin Bank has also operated as Community Trust Bank (1987-2015), The Bank of Choudrant (1970-1987), per FDIC structure-change records.
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