---
schema_version: "secwatch.filing_event.v1"
accession: "0001516912-25-000072"
form_type: "8-K"
ticker: "OBK"
cik: "0001516912"
company_name: "Origin Bancorp, Inc."
filed_at: "2025-04-23T23:59:59+00:00"
generated_at: "2026-05-23T08:03:02.371145+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- accession: 0001516912-25-000072
- form_type: 8-K
- ticker: OBK
- cik: 0001516912
- company_name: Origin Bancorp, Inc.
- filed_at: 2025-04-23T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- 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/1516912/000151691225000072/0001516912-25-000072-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1516912/000151691225000072/obnk-20250423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001516912-25-000072
- JSON: https://secwatch.observer/filing/0001516912-25-000072.json
- Plain text: https://secwatch.observer/filing/0001516912-25-000072.txt

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