Origin Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Retained earnings rose 7.4% in Q2 2026 to $507.8M, the biggest move on this page. Origin Bank has the 5th lowest CET1 ratio of the 45 banks headquartered in Louisiana, at 12.80% as of Q2 2026. At 12.80%, Origin Bank's CET1 ratio is close to the 12.96% median for banks in the $10B-100B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.80% |
| Tier 1 risk-based capital ratio | 12.80% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 11.37% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.12B |
| Tier 1 capital | $1.12B |
| Total risk-based capital | $1.22B |
| Total equity capital | $1.19B |
| Risk-weighted assets | $8.77B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.69% |
| Tangible equity to tangible assets | 10.56% |
| Equity capital to average assets | 11.89% |
| Internal capital growth rate | 12.21% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5K |
| Common stock surplus | $742.8M |
| Retained earnings | $507.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$61.0M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.02% | 12.02% | 13.96% | 10.33% | $8.61B |
| Q4 2023 | 11.95% | 11.95% | 13.92% | 10.45% | $8.54B |
| Q1 2024 | 12.08% | 12.08% | 14.05% | 10.60% | $8.61B |
| Q2 2024 | 12.16% | 12.16% | 14.15% | 10.53% | $8.63B |
| Q3 2024 | 12.43% | 12.43% | 14.39% | 10.75% | $8.57B |
| Q4 2024 | 13.29% | 13.29% | 15.31% | 10.89% | $8.10B |
| Q1 2025 | 13.41% | 13.41% | 14.56% | 11.18% | $8.09B |
| Q2 2025 | 13.13% | 13.13% | 14.27% | 11.24% | $8.22B |
| Q3 2025 | 12.93% | 12.93% | 14.16% | 10.97% | $8.13B |
| Q4 2025 | 12.62% | 12.62% | 13.82% | 10.91% | $8.35B |
| Q1 2026 | 12.78% | 12.78% | 13.98% | 10.89% | $8.48B |
| Q2 2026 | 12.80% | 12.80% | 13.97% | 11.37% | $8.77B |
Origin Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Origin Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Origin Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12614) · FFIEC NIC profile (RSSD 667757)