Origin Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 1.38% and a Texas ratio of 6.84%, according to its call report filed with the FFIEC.
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)
- Offices
- 59 domestic
- 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 |
| Hall Martin Lance | COO | OBK COO, Origin Bank Pres&CEO |
| Willliam J Wallace Iv | CFO | Chief Financial Officer |
| 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
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Origin Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Origin 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.80% | 1.41% | 1.38% | 6.84% | 3.88% |
| Q1 2026 | 12.78% | 1.04% | 1.59% | 7.87% | 3.64% |
| Q4 2025 | 12.62% | 1.25% | 1.59% | 7.46% | 3.78% |
| Q3 2025 | 12.93% | 0.15% | 1.59% | 8.18% | 3.68% |
| Q2 2025 | 13.13% | 0.64% | 1.47% | 7.96% | 3.57% |
| Q1 2025 | 13.41% | 0.96% | 1.37% | 7.67% | 3.40% |
| Q4 2024 | 13.29% | 0.67% | 1.18% | 7.43% | 3.35% |
| Q3 2024 | 12.43% | 0.89% | 0.97% | 6.60% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 59 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2010 | Structure Change | Acquired Community Trust Bank of Texas Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 16, 2005 | Structure Change | Acquired First United Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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
What the public regulatory sources show for Origin Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Origin Bank headquartered?
Origin Bank is headquartered in Choudrant, LA, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Origin Bank founded?
Origin Bank was established in 1912, per the FDIC institution directory.
Is Origin Bank FDIC-insured?
Yes. Origin Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Origin Bank's CET1 capital ratio?
Origin Bank 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?
Origin Bank 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?
Origin Bank's Texas Ratio is 6.84% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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