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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-Q

(Mark One)

    QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
     For the quarterly period ended September 30, 2020

OR

    TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
     For the transition period from ____________ to __________

Commission file number 001-38487
Origin Bancorp, Inc.

(Exact name of registrant as specified in its charter)
Louisiana72-1192928
(State or other jurisdiction of
incorporation or organization)
(I.R.S. Employer
Identification Number)

500 South Service Road East
Ruston, Louisiana 71270
(318) 255-2222
(Address, including zip code, and telephone number, including area code, of registrant's principal executive offices)
Securities registered pursuant to Section 12(b) of the Act:
Title of Each ClassTrading Symbol(s)Name of Exchange on which registered
Common Stock, par value $5.00 per shareOBNKNasdaq Global Select Market

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports) and (2) has been subject to such filing requirements for the past 90 days. Yes No☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company" and "emerging growth company" in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filer
Accelerated filerNon-accelerated filerSmaller reporting companyEmerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes No

Indicate the number of shares outstanding of each of the issuer's classes of common stock as of the latest practicable date: 23,506,586 shares of Common Stock, par value $5.00 per share, were issued and outstanding at October 30, 2020.




ORIGIN BANCORP, INC.
FORM 10-Q
SEPTEMBER 30, 2020
INDEX
Page



Cautionary Note Regarding Forward-Looking Statements
This quarterly report on Form 10-Q contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include the words "anticipates," "believes," "estimates," "expects," "foresees," "intends," "plans," "projects" and similar expressions or future or conditional verbs such as "could," "may," "might," "should," "will," and "would," or variations or negatives of such terms are generally forward-looking in nature and not historical facts, although not all forward-looking statements include the foregoing words. Forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management's beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in our forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements.
There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following:
the duration and impacts of the novel coronavirus ("COVID-19") pandemic and efforts to contain its transmission, including the effect of these factors on our business, customers and economic conditions generally, as well as the impact of the actions taken by governmental authorities to address the impact of COVID-19 on the United States economy, including, without limitation, the Coronavirus Aid, Relief and Economic Security Act;
deterioration of our asset quality;
factors that can impact the performance of our loan portfolio, including real estate values and liquidity in our primary market areas, the financial health of our commercial borrowers and the success of construction projects that we finance, including any loans acquired in acquisition transactions;
changes in the value of collateral securing our loans;
our ability to anticipate interest rate changes and manage interest rate risk;
the effectiveness of our risk management framework and quantitative models;
our inability to receive dividends from our bank subsidiary and to service debt, pay dividends to our common stockholders, repurchase our shares of common stock and satisfy obligations as they become due;
business and economic conditions generally and in the financial services industry, nationally and within our local market areas;
changes in our operation or expansion strategy or our ability to prudently manage our growth and execute our strategy;
changes in management personnel;
our ability to maintain important deposit customer relationships, our reputation or otherwise avoid liquidity risks;
increasing costs as we grow deposits;
operational risks associated with our business;
volatility and direction of market interest rates;
increased competition in the financial services industry, particularly from regional and national institutions;
our level of nonperforming assets and the costs associated with resolving any problem loans, including litigation and other costs;
3


our ability to comply with applicable capital and liquidity requirements, including our ability to generate liquidity internally or raise capital on favorable terms, including continued access to the debt and equity capital markets;
changes in the utility of our non-GAAP liquidity measurements and their underlying assumptions or estimates;
difficult market conditions and unfavorable economic trends in the United States generally, and particularly in the market areas in which Origin operates and in which its loans are concentrated;
an increase in unemployment levels and slowdowns in economic growth;
the credit risk associated with the substantial amount of commercial real estate, construction and land development, and commercial loans in our loan portfolio;
changes in the laws, rules, regulations, interpretations or policies relating to financial institutions, as well as tax, trade, monetary and fiscal matters;
periodic changes to the extensive body of accounting rules and best practices may change the treatment and recognition of critical financial line items and affect our profitability;
further government intervention in the U.S. financial system;
compliance with governmental and regulatory requirements, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and others relating to banking, consumer protection, securities and tax matters;
uncertainty regarding the future of the London Interbank Offered Rate and the impact of any replacement alternatives on our business;
natural disasters and adverse weather events, acts of terrorism, an outbreak of hostilities, regional or national protests and civil unrest (including any resulting branch closures or property damage), widespread illness or public health outbreaks or other international or domestic calamities, and other matters beyond our control;
system failures, cybersecurity threats and/or security breaches and the cost of defending against them;
other factors that are discussed in the sections titled "Item 1A. Risk Factors" in this report, in our annual report on Form 10-K for the year ended December 31, 2019, and in our other reports filed with the SEC; and
our ability to manage the risks involved in the foregoing.
Furthermore, many of these risks and uncertainties are currently amplified by and may continue to be amplified by or may, in the future, be amplified by, the COVID-19 pandemic, and the effectiveness of varying social, economic and governmental responses to the pandemic.
The foregoing factors should not be construed as exhaustive and should be read together with the other cautionary statements included in this report. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. In addition, as a result of these and other factors, our past financial performance should not be relied upon as an indication of future performance. Accordingly, you should not place undue reliance on any forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. New risks and uncertainties emerge from time to time, and it is not possible for us to predict those events or how they may affect us. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.
4

PART I - FINANCIAL INFORMATION
Item 1. Financial Statements
ORIGIN BANCORP, INC.
Consolidated Balance Sheets
(Dollars in thousands, except per share amounts)
September 30, 2020December 31, 2019
Assets(Unaudited)
Cash and due from banks$61,250 $62,160 
Interest-bearing deposits in banks160,661 229,358 
Total cash and cash equivalents221,911 291,518 
Securities:
Available for sale797,260 501,070 
Held to maturity, net of allowance for credit losses of $144 at September 30, 2020 (fair value of $41,282 and $29,523 at September 30, 2020, and December 31, 2019, respectively)
38,193 28,620 
Securities carried at fair value through income11,813 11,513 
Total securities847,266 541,203 
Non-marketable equity securities held in other financial institutions38,052 39,808 
Loans held for sale ($95,412 and $36,977 at fair value at September 30, 2020, and December 31, 2019, respectively)
155,525 64,837 
Loans, net of allowance for credit losses of $81,643 and $37,520 at September 30, 2020, and December 31, 2019, respectively ($17,284 and $17,670 at fair value at September 30, 2020, and December 31, 2019, respectively)
5,531,023 4,105,675 
Premises and equipment, net79,254 80,457 
Mortgage servicing rights14,322 20,697 
Cash surrender value of bank-owned life insurance37,332 37,961 
Goodwill and other intangible assets, net30,717 31,540 
Accrued interest receivable and other assets145,936 110,930 
Total assets$7,101,338 $5,324,626 
Liabilities and Stockholders' Equity
Noninterest-bearing deposits$1,599,436 $1,077,706 
Interest-bearing deposits3,640,587 2,360,096 
Time deposits695,902 790,810 
Total deposits5,935,925 4,228,612 
Federal Home Loan Bank ("FHLB") advances and other borrowings360,325 417,190 
Subordinated debentures, net78,596 9,671 
Accrued expenses and other liabilities98,855 69,891 
Total liabilities6,473,701 4,725,364 
Commitments and contingencies  
Stockholders' equity:
Preferred stock, no par value, 2,000,000 shares authorized
  
Common stock ($5.00 par value; 50,000,000 shares authorized; 23,506,586 and 23,480,945 shares issued at September 30, 2020, and December 31, 2019, respectively)
117,533 117,405 
Additional paid-in capital236,679 235,623 
Retained earnings251,427 239,901 
Accumulated other comprehensive income21,998 6,333 
Total stockholders' equity627,637 599,262 
Total liabilities and stockholders' equity$7,101,338 $5,324,626 
The accompanying notes are an integral part of these consolidated financial statements.
5

ORIGIN BANCORP, INC.
Consolidated Statements of Income
(unaudited)
(Dollars in thousands, except per share amounts)
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
Interest and dividend income
Interest and fees on loans$54,150 $53,932 $154,921 $154,568 
Investment securities-taxable2,704 2,786 8,148 9,335 
Investment securities-nontaxable1,571 826 3,720 2,555 
Interest and dividend income on assets held in other financial institutions375 1,262 2,491 3,905 
Total interest and dividend income58,800 58,806 169,280 170,363 
Interest expense
Interest-bearing deposits5,698 11,623 22,568 33,660 
FHLB advances and other borrowings1,564 2,420 4,556 6,669 
Subordinated debentures921 141 2,439 417 
Total interest expense8,183 14,184 29,563 40,746 
Net interest income
50,617 44,622 139,717 129,617 
Provision for credit losses13,633 4,201 53,567 7,191 
Net interest income after provision for credit losses36,984 40,421 86,150 122,426 
Noninterest income
Service charges and fees3,268 3,620 9,578 10,371 
Mortgage banking revenue9,523 3,092 23,009 8,950 
Insurance commission and fee income3,218 3,203 10,014 9,749 
Gain on sales of securities, net301 20 355 20 
Loss on sales and disposals of other assets, net(247)(132)(1,180)(295)
Limited partnership investment income (loss)130 279 (290)261 
Swap fee income110 1,351 2,313 2,034 
Change in fair value of equity investments   367 
Other fee income576 414 1,649 1,050 
Other income1,172 1,033 3,823 3,153 
Total noninterest income$18,051 $12,880 $49,271 $35,660 
The accompanying notes are an integral part of these consolidated financial statements.
6

ORIGIN BANCORP, INC.
Consolidated Statements of Income - Continued
(unaudited)
(Dollars in thousands, except per share amounts)
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
Noninterest expense
Salaries and employee benefits$22,597 $21,523 $68,630 $66,900 
Occupancy and equipment, net4,263 4,274 12,751 12,518 
Data processing2,065 1,763 6,143 5,160 
Electronic banking954 924 2,744 2,505 
Communications422 411 1,318 1,644 
Advertising and marketing1,281 930 2,602 2,817 
Professional services785 956 2,799 2,699 
Regulatory assessments1,310 (387)2,691 1,015 
Loan related expenses1,809 1,315 4,460 2,774 
Office and operations1,367 1,712 4,152 5,042 
Intangible asset amortization237 302 823 1,019 
Franchise tax expense511 683 1,521 1,664 
Other expenses1,133 658 2,417 1,783 
Total noninterest expense38,734 35,064 113,051 107,540 
Income before income tax expense16,301 18,237 22,370 50,546 
Income tax expense3,206 3,620 3,565 9,491 
Net income$13,095 $14,617 $18,805 $41,055 
Basic earnings per common share$0.56 $0.62 $0.81 $1.75 
Diluted earnings per common share0.56 0.62 0.80 1.73 
The accompanying notes are an integral part of these consolidated financial statements.
7

ORIGIN BANCORP, INC.
Consolidated Statements of Comprehensive Income
(unaudited)
(Dollars in thousands)
Three Months Ended September 30,Nine Months Ended September 30,
2020201920202019
Net income$13,095 14,617 $18,805 $41,055 
Other comprehensive income (loss)
Securities available for sale and transferred securities:
Net unrealized holding gain arising during the period1,659 1,411 20,574 11,926 
Net losses realized as a yield adjustment in interest on investment securities(3)(3)(8)(8)
Reclassification adjustment for net gain included in net income(301)(20)(355)(20)
Change in the net unrealized gain on investment securities, before tax1,355 1,388 20,211 11,898 
Income tax expense related to net unrealized gain arising during the period12 292 3,971 2,499 
Change in the net unrealized gain on investment securities, net of tax1,343 1,096 16,240 9,399 
Cash flow hedges:
Net unrealized gain (loss) arising during the period7 (24)(812)(252)
Reclassification adjustment for (loss) gain included in net income(46)8 (85)38 
Change in the net unrealized gain (loss) on cash flow hedges, before tax53 (32)(727)(290)
Income tax expense (benefit) related to net unrealized gain (loss) on cash flow hedges11 (7)(152)(61)
Change in the net unrealized gain (loss) on cash flow hedges, net of tax42 (25)(575)(229)
Other comprehensive income, net of tax1,385 1,071 15,665 9,170 
Comprehensive income$14,480 $15,688 $34,470 $50,225 

The accompanying notes are an integral part of these consolidated financial statements.
8

ORIGIN BANCORP, INC.
Consolidated Statements of Changes in Stockholders' Equity
(unaudited)
(Dollars in thousands, except per share amounts)
Common Shares OutstandingCommon
Stock
Additional
Paid-In
Capital
Retained
Earnings
Accumulated
Other
Comprehensive
Income (loss)
Total
Stockholders'
Equity
Balance at January 1, 2019
23,726,559 $118,633 $242,041 $191,585 $(2,480)$549,779 
Net income
— — — 14,155 — 14,155 
Other comprehensive income, net of tax
— — — — 4,004 4,004 
Impact of adoption of ASU 2016-02 related to leases
— — — 321 — 321 
Recognition of stock compensation, net
19,426 97 538 — — 635 
Dividends declared - common stock ($0.0325 per share)
— — — (772)— (772)
Balance at March 31, 2019
23,745,985 118,730 242,579 205,289 1,524 568,122 
Net income
— — — 12,283 — 12,283 
Other comprehensive loss, net of tax
— — — — 4,095 4,095 
Recognition of stock compensation, net
28,253 141 423 — — 564 
Dividends declared - common stock ($0.0325 per share)
— — — (771)— (771)
Balance at June 30, 2019
23,774,238 118,871 243,002 216,801 5,619 584,293 
Net income
— — — 14,617 — 14,617 
Other comprehensive loss, net of tax
— — — — 1,071 1,071 
Recognition of stock compensation, net
7,543 38 575 — — 613 
Dividends declared - common stock ($0.0925 per share)
— — — (2,172)— (2,172)
Repurchase of common stock
(300,000)(1,500)(8,559)— — (10,059)
Balance at September 30, 2019
23,481,781 $117,409 $235,018 $229,246 $6,690 $588,363 
The accompanying notes are an integral part of these consolidated financial statements.
9

ORIGIN BANCORP, INC.
Condensed Consolidated Statements of Changes in Stockholders' Equity - Continued
(unaudited)
(Dollars in thousands, except per share amounts)

Common Shares OutstandingCommon
Stock
Additional
Paid-In
Capital
Retained
Earnings
Accumulated
Other
Comprehensive
Income
Total
Stockholders'
Equity
Balance at January 1, 2020
23,480,945 $117,405 $235,623 $239,901 $6,333 $599,262 
Net income
— — — 753 — 753 
Other comprehensive income, net of tax
— — — — 9,489 9,489 
Impact of adoption of ASU 2016-13 - CECL
— — — (760)— (760)
Recognition of stock compensation, net
25,871 129 655 — — 784 
Dividends declared - common stock ($0.0925 per share)
— — — (2,174)— (2,174)
Repurchase of common stock
(30,868)(154)(569)— — (723)
Balance at March 31, 2020
23,475,948 117,380 235,709 237,720 15,822 606,631 
Net income
— — — 4,957 — 4,957 
Other comprehensive income, net of tax
— — — — 4,791 4,791 
Recognition of stock compensation, net
25,285 126 447 — — 573 
Dividends declared - common stock ($0.0925 per share)
— — — (2,171)— (2,171)
Balance at June 30, 2020
23,501,233 117,506 236,156 240,506 20,613 614,781 
Net income
— — — 13,095 — 13,095 
Other comprehensive income, net of tax
— — — — 1,385 1,385 
Recognition of stock compensation, net
5,353 27 523 — — 550 
Dividends declared - common stock ($0.0925 per share)
— — — (2,174)— (2,174)
Balance at September 30, 2020
23,506,586 $117,533 $236,679 $251,427 $21,998 $627,637 

The accompanying notes are an integral part of these consolidated financial statements.
10

ORIGIN BANCORP, INC.
Consolidated Statements of Cash Flows
(unaudited)
(Dollars in thousands)
Nine Months Ended September 30,
Cash flows from operating activities:20202019
Net income$18,805 $41,055 
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
Provision for credit losses53,567 7,191 
Depreciation and amortization5,177 4,989 
Net amortization on securities2,926 401 
Amortization of investments in tax credit funds1,077 1,205 
Net realized gain on securities sold(355)(20)
Deferred income tax benefit(10,302)(1,360)
Stock-based compensation expense1,659 1,647 
Originations of mortgage loans held for sale(500,353)(240,349)
Proceeds from mortgage loans held for sale447,267 218,478 
Gain on mortgage loans held for sale, including origination of servicing rights(12,883)(6,289)
Mortgage servicing rights valuation adjustment10,680 6,841 
Net loss on disposals of premises and equipment68 124 
Increase in the cash surrender value of life insurance(696)(549)
Gain on equity securities without a readily determinable fair value (367)
Net loss on sales and write downs of other real estate owned1,031 171 
Other operating activities, net(9,584)5,816 
Net cash provided by operating activities8,084 38,984 
Cash flows from investing activities:
Purchases of securities available for sale(408,558)(41,062)
Maturities and paydowns of securities available for sale101,065 127,796 
Proceeds from sales and calls of securities available for sale35,208 27,766 
Purchases of securities held to maturity(10,000)(10,000)
Maturities, paydowns and calls of securities held to maturity275 404 
Paydowns of securities carried at fair value250 240