{"schema_version":"secwatch.filing_event.v1","accession":"0001516912-25-000008","form_type":"8-K","ticker":"OBK","cik":"0001516912","company_name":"Origin Bancorp, Inc.","filed_at":"2025-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.857959+00:00","generated_at":"2026-05-27T19:18:22.620045+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Origin Bancorp Q4 net income $14.3M ($0.46 EPS); FY2024 EPS $2.45, down 9.6% YoY; declares $0.15 dividend","bullets":["Net income Q4 $14.3M ($0.46 diluted EPS) vs $18.6M ($0.60) linked Q; FY2024 EPS $2.45, down 9.6% from $2.71.","Pre-tax pre-provision earnings $12.6M Q4 vs $28.3M linked; FY2024 $104.7M, down 14.6% YoY.","NIM-FTE expanded 15 bps to 3.33%; sold $188.2M securities at $14.6M loss; bond optimization expected to add 7 bps to NIM-FTE over 12 months.","Credit: $5.4M provision benefit; nonperforming LHFI to LHFI 0.99% vs 0.81% linked; classified loans up $11.3M; questioned banker activity reserve increased.","Quarterly dividend of $0.15 per share declared, payable Feb 28, 2025 to holders of record Feb 14, 2025; Optimize Origin initiative targets >1% ROAA by 4Q25."],"urls":{"canonical":"https://secwatch.observer/filing/0001516912-25-000008","json":"https://secwatch.observer/filing/0001516912-25-000008.json","markdown":"https://secwatch.observer/filing/0001516912-25-000008.md","text":"https://secwatch.observer/filing/0001516912-25-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1516912/000151691225000008/0001516912-25-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1516912/000151691225000008/obnk-20250122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T19:18:22.620045+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}