---
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"
generated_at: "2026-05-27T19:18:22.620045+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Origin Bancorp Q4 net income $14.3M ($0.46 EPS); FY2024 EPS $2.45, down 9.6% YoY; declares $0.15 dividend

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001516912-25-000008
- JSON: https://secwatch.observer/filing/0001516912-25-000008.json
- Plain text: https://secwatch.observer/filing/0001516912-25-000008.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.