Origin Bancorp Q1 net income $22.4M, EPS $0.71, up 57% QoQ; NIM expands 11bps

Origin Bancorp, Inc.

2025-Q1 EPS reported $0.71

Net income $22.4M ($0.71 diluted EPS) vs $14.3M ($0.46) in Q4 2024, up 57% linked quarter.
Pre-tax pre-provision earnings $32.0M vs $12.6M linked; ROAA annualized 0.93% vs 0.57%.
NIM-FTE expanded 11bps to 3.44%; net interest income $78.5M, highest in eight quarters.
Redeemed $70M subordinated debentures, expected $2.1M annual interest savings; Optimize Origin targets >1% ROAA run rate by 4Q25.
$3.4M credit loss provision (vs $5.4M benefit linked); NPL ratio 1.07%; past due loans up $30.3M.

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