obnk-20220930
false12/312022Q30001516912P1YP1Y00015169122022-01-012022-09-3000015169122022-10-27xbrli:shares00015169122022-09-30iso4217:USD00015169122021-12-31iso4217:USDxbrli:shares00015169122022-07-012022-09-3000015169122021-07-012021-09-3000015169122021-01-012021-09-300001516912obnk:ProductsAndServicesDepositServiceFeesMember2022-07-012022-09-300001516912obnk:ProductsAndServicesDepositServiceFeesMember2021-07-012021-09-300001516912obnk:ProductsAndServicesDepositServiceFeesMember2022-01-012022-09-300001516912obnk:ProductsAndServicesDepositServiceFeesMember2021-01-012021-09-300001516912obnk:ProductsAndServicesInsuranceCommissionAndFeesMember2022-07-012022-09-300001516912obnk:ProductsAndServicesInsuranceCommissionAndFeesMember2021-07-012021-09-300001516912obnk:ProductsAndServicesInsuranceCommissionAndFeesMember2022-01-012022-09-300001516912obnk:ProductsAndServicesInsuranceCommissionAndFeesMember2021-01-012021-09-300001516912us-gaap:CommonStockMember2020-12-310001516912us-gaap:AdditionalPaidInCapitalMember2020-12-310001516912us-gaap:RetainedEarningsMember2020-12-310001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2020-12-3100015169122020-12-310001516912us-gaap:RetainedEarningsMember2021-01-012021-03-3100015169122021-01-012021-03-310001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-01-012021-03-310001516912us-gaap:CommonStockMember2021-01-012021-03-310001516912us-gaap:AdditionalPaidInCapitalMember2021-01-012021-03-310001516912us-gaap:CommonStockMember2021-03-310001516912us-gaap:AdditionalPaidInCapitalMember2021-03-310001516912us-gaap:RetainedEarningsMember2021-03-310001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-03-3100015169122021-03-310001516912us-gaap:RetainedEarningsMember2021-04-012021-06-3000015169122021-04-012021-06-300001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-04-012021-06-300001516912us-gaap:CommonStockMember2021-04-012021-06-300001516912us-gaap:AdditionalPaidInCapitalMember2021-04-012021-06-300001516912us-gaap:CommonStockMember2021-06-300001516912us-gaap:AdditionalPaidInCapitalMember2021-06-300001516912us-gaap:RetainedEarningsMember2021-06-300001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-06-3000015169122021-06-300001516912us-gaap:RetainedEarningsMember2021-07-012021-09-300001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-07-012021-09-300001516912us-gaap:CommonStockMember2021-07-012021-09-300001516912us-gaap:AdditionalPaidInCapitalMember2021-07-012021-09-300001516912us-gaap:CommonStockMember2021-09-300001516912us-gaap:AdditionalPaidInCapitalMember2021-09-300001516912us-gaap:RetainedEarningsMember2021-09-300001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-09-3000015169122021-09-300001516912us-gaap:CommonStockMember2021-12-310001516912us-gaap:AdditionalPaidInCapitalMember2021-12-310001516912us-gaap:RetainedEarningsMember2021-12-310001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2021-12-310001516912us-gaap:RetainedEarningsMember2022-01-012022-03-3100015169122022-01-012022-03-310001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-01-012022-03-310001516912us-gaap:CommonStockMember2022-01-012022-03-310001516912us-gaap:AdditionalPaidInCapitalMember2022-01-012022-03-310001516912us-gaap:CommonStockMember2022-03-310001516912us-gaap:AdditionalPaidInCapitalMember2022-03-310001516912us-gaap:RetainedEarningsMember2022-03-310001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-03-3100015169122022-03-310001516912us-gaap:RetainedEarningsMember2022-04-012022-06-3000015169122022-04-012022-06-300001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-04-012022-06-300001516912us-gaap:CommonStockMember2022-04-012022-06-300001516912us-gaap:AdditionalPaidInCapitalMember2022-04-012022-06-300001516912us-gaap:CommonStockMember2022-06-300001516912us-gaap:AdditionalPaidInCapitalMember2022-06-300001516912us-gaap:RetainedEarningsMember2022-06-300001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-06-3000015169122022-06-300001516912us-gaap:RetainedEarningsMember2022-07-012022-09-300001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-07-012022-09-300001516912us-gaap:CommonStockMember2022-07-012022-09-300001516912us-gaap:AdditionalPaidInCapitalMember2022-07-012022-09-300001516912us-gaap:CommonStockMember2022-09-300001516912us-gaap:AdditionalPaidInCapitalMember2022-09-300001516912us-gaap:RetainedEarningsMember2022-09-300001516912us-gaap:AccumulatedOtherComprehensiveIncomeMember2022-09-30obnk:bank_subsidiaryobnk:banking_centerobnk:segment0001516912obnk:BTHMember2022-08-01xbrli:pure0001516912obnk:BTHMemberus-gaap:CommonStockMember2022-08-012022-08-010001516912us-gaap:CommonStockMember2022-07-290001516912obnk:BTHMember2022-07-292022-07-2900015169122022-08-010001516912obnk:BTHMember2022-07-31obnk:location0001516912obnk:BTHMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2022-08-012022-08-010001516912obnk:BTHMemberus-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-08-012022-08-010001516912obnk:BTHMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:MortgageWarehousePortfolioSegmentMemberobnk:MortgageWarehousePortfolioSegmentMember2022-08-012022-08-010001516912obnk:BTHMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2022-08-012022-08-010001516912obnk:BTHMember2022-08-012022-08-010001516912obnk:BTHMember2022-01-012022-09-300001516912obnk:BTHMember2021-01-012021-09-300001516912us-gaap:USStatesAndPoliticalSubdivisionsMember2022-09-300001516912us-gaap:CorporateDebtSecuritiesMember2022-09-300001516912us-gaap:USTreasuryAndGovernmentMember2022-09-300001516912us-gaap:CommercialMortgageBackedSecuritiesMember2022-09-300001516912us-gaap:ResidentialMortgageBackedSecuritiesMember2022-09-300001516912obnk:CommercialCollateralizedMortgageObligationsMember2022-09-300001516912us-gaap:CollateralizedMortgageObligationsMember2022-09-300001516912us-gaap:AssetBackedSecuritiesMember2022-09-300001516912us-gaap:USStatesAndPoliticalSubdivisionsMember2021-12-310001516912us-gaap:CorporateDebtSecuritiesMember2021-12-310001516912us-gaap:USTreasuryAndGovernmentMember2021-12-310001516912us-gaap:CommercialMortgageBackedSecuritiesMember2021-12-310001516912us-gaap:ResidentialMortgageBackedSecuritiesMember2021-12-310001516912obnk:CommercialCollateralizedMortgageObligationsMember2021-12-310001516912us-gaap:CollateralizedMortgageObligationsMember2021-12-310001516912us-gaap:AssetBackedSecuritiesMember2021-12-310001516912obnk:BTHMember2022-07-012022-09-30obnk:security0001516912us-gaap:FinancialAssetPastDueMember2022-09-300001516912us-gaap:FinancialAssetPastDueMember2021-12-310001516912us-gaap:AssetPledgedAsCollateralMemberus-gaap:DepositsMember2022-09-300001516912us-gaap:AssetPledgedAsCollateralMemberus-gaap:DepositsMember2021-12-310001516912us-gaap:AssetPledgedAsCollateralMemberus-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2022-09-300001516912us-gaap:AssetPledgedAsCollateralMemberus-gaap:SecuritiesSoldUnderAgreementsToRepurchaseMember2021-12-310001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMember2021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMember2022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMember2021-12-310001516912obnk:BTHMember2022-09-012022-09-3000015169122021-01-012021-12-310001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMemberus-gaap:PassMember2022-09-300001516912us-gaap:CommercialRealEstateMemberus-gaap:SpecialMentionMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialRealEstateMemberobnk:ClassifiedMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMemberus-gaap:PassMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:SpecialMentionMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:ClassifiedMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMemberus-gaap:PassMember2022-09-300001516912us-gaap:SpecialMentionMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ClassifiedMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberobnk:ClassifiedMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMember2022-01-012022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:PassMember2022-09-300001516912obnk:ClassifiedMemberobnk:MortgageWarehousePortfolioSegmentMember2022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:PassMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMemberobnk:ClassifiedMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMemberus-gaap:PassMember2021-12-310001516912us-gaap:CommercialRealEstateMemberus-gaap:SpecialMentionMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialRealEstateMemberobnk:ClassifiedMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMemberus-gaap:PassMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:SpecialMentionMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:ClassifiedMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-12-310001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMemberus-gaap:PassMember2021-12-310001516912us-gaap:SpecialMentionMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ClassifiedMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:PassMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:SpecialMentionMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberobnk:ClassifiedMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMember2021-01-012021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:PassMember2021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMember2021-01-012021-12-310001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:PassMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMemberobnk:ClassifiedMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMember2021-01-012021-12-310001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancialAssetPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancialAssetNotPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancialAssetPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancialAssetNotPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:ResidentialRealEstateMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancialAssetPastDueMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancialAssetNotPastDueMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancingReceivables30To59DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancingReceivables60To89DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancialAssetPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:FinancialAssetNotPastDueMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001516912us-gaap:FinancingReceivables60To89DaysPastDueMemberobnk:MortgageWarehousePortfolioSegmentMember2022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2022-09-300001516912us-gaap:FinancialAssetPastDueMemberobnk:MortgageWarehousePortfolioSegmentMember2022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2022-09-300001516912us-gaap:FinancingReceivables30To59DaysPastDueMember2022-09-300001516912us-gaap:FinancingReceivables60To89DaysPastDueMember2022-09-300001516912us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2022-09-300001516912us-gaap:FinancialAssetNotPastDueMember2022-09-300001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancialAssetPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialRealEstateMemberus-gaap:FinancialAssetNotPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancingReceivables30To59DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancingReceivables60To89DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancialAssetPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:FinancialAssetNotPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancingReceivables30To59DaysPastDueMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancingReceivables60To89DaysPastDueMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:ResidentialRealEstateMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancialAssetPastDueMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancialAssetNotPastDueMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancingReceivables30To59DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancingReceivables60To89DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancialAssetPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:FinancialAssetNotPastDueMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001516912us-gaap:FinancingReceivables60To89DaysPastDueMemberobnk:MortgageWarehousePortfolioSegmentMember2021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001516912us-gaap:FinancialAssetPastDueMemberobnk:MortgageWarehousePortfolioSegmentMember2021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetPastDueMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:FinancialAssetNotPastDueMember2021-12-310001516912us-gaap:FinancingReceivables30To59DaysPastDueMember2021-12-310001516912us-gaap:FinancingReceivables60To89DaysPastDueMember2021-12-310001516912us-gaap:FinancingReceivablesEqualToGreaterThan90DaysPastDueMember2021-12-310001516912us-gaap:FinancialAssetNotPastDueMember2021-12-310001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-06-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2022-06-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-06-300001516912us-gaap:CommercialPortfolioSegmentMember2022-06-300001516912obnk:MortgageWarehousePortfolioSegmentMember2022-06-300001516912us-gaap:ConsumerPortfolioSegmentMember2022-06-300001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-07-012022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2022-07-012022-09-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-07-012022-09-300001516912us-gaap:CommercialPortfolioSegmentMember2022-07-012022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMember2022-07-012022-09-300001516912us-gaap:ConsumerPortfolioSegmentMember2022-07-012022-09-300001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-06-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2021-06-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-06-300001516912us-gaap:CommercialPortfolioSegmentMember2021-06-300001516912obnk:MortgageWarehousePortfolioSegmentMember2021-06-300001516912us-gaap:ConsumerPortfolioSegmentMember2021-06-300001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-07-012021-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2021-07-012021-09-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-07-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMember2021-07-012021-09-300001516912obnk:MortgageWarehousePortfolioSegmentMember2021-07-012021-09-300001516912us-gaap:ConsumerPortfolioSegmentMember2021-07-012021-09-300001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2021-09-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-09-300001516912us-gaap:CommercialPortfolioSegmentMember2021-09-300001516912obnk:MortgageWarehousePortfolioSegmentMember2021-09-300001516912us-gaap:ConsumerPortfolioSegmentMember2021-09-300001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2020-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2020-12-310001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2020-12-310001516912us-gaap:CommercialPortfolioSegmentMember2020-12-310001516912obnk:MortgageWarehousePortfolioSegmentMember2020-12-310001516912us-gaap:ConsumerPortfolioSegmentMember2020-12-310001516912us-gaap:CommercialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-09-300001516912us-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMember2021-01-012021-09-300001516912obnk:MortgageWarehousePortfolioSegmentMember2021-01-012021-09-300001516912us-gaap:ConsumerPortfolioSegmentMember2021-01-012021-09-3000015169122021-09-302021-09-300001516912obnk:BTHMember2022-09-300001516912us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:RealEstateMemberobnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:RealEstateMemberus-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:RealEstateMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2022-09-300001516912us-gaap:RealEstateMemberobnk:MortgageWarehousePortfolioSegmentMemberobnk:MortgageWarehousePortfolioSegmentMember2022-09-300001516912us-gaap:RealEstateMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2022-09-300001516912us-gaap:RealEstateMember2022-09-300001516912us-gaap:AccountsReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:AccountsReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:AccountsReceivableMemberus-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:AccountsReceivableMember2022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:AccountsReceivableMemberobnk:MortgageWarehousePortfolioSegmentMember2022-09-300001516912us-gaap:AccountsReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2022-09-300001516912us-gaap:AccountsReceivableMember2022-09-300001516912us-gaap:EquipmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:EquipmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:EquipmentMemberus-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:EquipmentMember2022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:EquipmentMemberobnk:MortgageWarehousePortfolioSegmentMember2022-09-300001516912us-gaap:EquipmentMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2022-09-300001516912us-gaap:EquipmentMember2022-09-300001516912us-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2022-09-300001516912obnk:MortgageWarehousePortfolioSegmentMemberobnk:MortgageWarehousePortfolioSegmentMember2022-09-300001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2022-09-300001516912us-gaap:RealEstateMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:RealEstateMemberobnk:ConstructionLandandLandDevelopmentLoansMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:RealEstateMemberus-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:RealEstateMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2021-12-310001516912us-gaap:RealEstateMemberobnk:MortgageWarehousePortfolioSegmentMemberobnk:MortgageWarehousePortfolioSegmentMember2021-12-310001516912us-gaap:RealEstateMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001516912us-gaap:RealEstateMember2021-12-310001516912us-gaap:AccountsReceivableMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:AccountsReceivableMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:AccountsReceivableMemberus-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:AccountsReceivableMember2021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:AccountsReceivableMemberobnk:MortgageWarehousePortfolioSegmentMember2021-12-310001516912us-gaap:AccountsReceivableMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001516912us-gaap:AccountsReceivableMember2021-12-310001516912us-gaap:EquipmentMemberus-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:EquipmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:EquipmentMemberus-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMemberus-gaap:EquipmentMember2021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMemberus-gaap:EquipmentMemberobnk:MortgageWarehousePortfolioSegmentMember2021-12-310001516912us-gaap:EquipmentMemberus-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001516912us-gaap:EquipmentMember2021-12-310001516912us-gaap:CommercialRealEstatePortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:ResidentialPortfolioSegmentMemberobnk:RealEstatePortfolioSegmentMember2021-12-310001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:CommercialPortfolioSegmentMember2021-12-310001516912obnk:MortgageWarehousePortfolioSegmentMemberobnk:MortgageWarehousePortfolioSegmentMember2021-12-310001516912us-gaap:ConsumerPortfolioSegmentMemberus-gaap:ConsumerPortfolioSegmentMember2021-12-310001516912us-gaap:NonperformingFinancingReceivableMember2022-01-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMember2021-01-012021-09-300001516912us-gaap:NonperformingFinancingReceivableMember2022-09-300001516912us-gaap:NonperformingFinancingReceivableMember2021-12-310001516912us-gaap:PerformingFinancingReceivableMember2022-09-300001516912us-gaap:PerformingFinancingReceivableMember2021-12-310001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-07-012022-09-30obnk:loan0001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-07-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberus-gaap:ContractualInterestRateReductionMemberobnk:RealEstatePortfolioSegmentMember2022-07-012022-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-07-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMember2022-07-012022-09-300001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMember2022-07-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMember2022-07-012022-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMember2022-07-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-07-012021-09-300001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-07-012021-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberus-gaap:ContractualInterestRateReductionMemberobnk:RealEstatePortfolioSegmentMember2021-07-012021-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-07-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMember2021-07-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMemberobnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMember2021-07-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMember2021-07-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMemberobnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMember2021-07-012021-09-300001516912us-gaap:NonperformingFinancingReceivableMember2021-07-012021-09-300001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMember2021-07-012021-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMember2021-07-012021-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMember2021-07-012021-09-300001516912us-gaap:CommercialRealEstateMemberus-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:CommercialRealEstateMemberobnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:CommercialRealEstateMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:CommercialRealEstateMemberobnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:ConstructionLandandLandDevelopmentLoansMemberobnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberus-gaap:ContractualInterestRateReductionMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMemberobnk:RealEstatePortfolioSegmentMember2022-01-012022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMember2022-01-012022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberobnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMember2022-01-012022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMember2022-01-012022-09-300001516912us-gaap:CommercialPortfolioSegmentMemberobnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMember2022-01-012022-09-300001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMember2022-01-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMember2022-01-012022-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMember2022-01-012022-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-09-300001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberus-gaap:ContractualInterestRateReductionMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ResidentialRealEstateMemberobnk:RealEstatePortfolioSegmentMember2021-01-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMember2021-01-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMemberobnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMember2021-01-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMemberus-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMember2021-01-012021-09-300001516912us-gaap:CommercialPortfolioSegmentMemberobnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMember2021-01-012021-09-300001516912obnk:TermConcessionMemberus-gaap:NonperformingFinancingReceivableMember2021-01-012021-09-300001516912us-gaap:NonperformingFinancingReceivableMemberus-gaap:ContractualInterestRateReductionMember2021-01-012021-09-300001516912obnk:CombinationMemberus-gaap:NonperformingFinancingReceivableMember2021-01-012021-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2022-09-300001516912us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-09-300001516912us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001516912us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USTreasurySecuritiesMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasurySecuritiesMember2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2022-09-300001516912us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-09-300001516912us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-09-300001516912us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001516912us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-09-300001516912us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001516912us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912obnk:CommercialCollateralizedMortgageObligationsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-09-300001516912obnk:CommercialCollateralizedMortgageObligationsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001516912obnk:CommercialCollateralizedMortgageObligationsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912obnk:CommercialCollateralizedMortgageObligationsMemberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:CollateralizedMortgageObligationsMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:CollateralizedMortgageObligationsMember2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:AssetBackedSecuritiesMember2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMember2022-09-300001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USStatesAndPoliticalSubdivisionsMember2021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USStatesAndPoliticalSubdivisionsMember2021-12-310001516912us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2021-12-310001516912us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001516912us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:CorporateDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:USTreasurySecuritiesMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:USTreasurySecuritiesMember2021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:USTreasurySecuritiesMember2021-12-310001516912us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2021-12-310001516912us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:USGovernmentAgenciesDebtSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2021-12-310001516912us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001516912us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:CommercialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2021-12-310001516912us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001516912us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:ResidentialMortgageBackedSecuritiesMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912obnk:CommercialCollateralizedMortgageObligationsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2021-12-310001516912obnk:CommercialCollateralizedMortgageObligationsMemberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001516912obnk:CommercialCollateralizedMortgageObligationsMemberus-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912obnk:CommercialCollateralizedMortgageObligationsMemberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:CollateralizedMortgageObligationsMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Memberus-gaap:AssetBackedSecuritiesMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Memberus-gaap:AssetBackedSecuritiesMember2021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:AssetBackedSecuritiesMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel1Member2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMemberus-gaap:FairValueInputsLevel2Member2021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912us-gaap:FairValueMeasurementsRecurringMember2021-12-310001516912obnk:MortgageServicingRightsMember2021-12-310001516912us-gaap:AvailableforsaleSecuritiesMember2021-12-310001516912obnk:DebtSecuritiesFVNIMember2021-12-310001516912obnk:MortgageBankingRevenueMemberobnk:MortgageServicingRightsMember2022-01-012022-09-300001516912obnk:MortgageBankingRevenueMemberus-gaap:AvailableforsaleSecuritiesMember2022-01-012022-09-300001516912obnk:MortgageBankingRevenueMemberobnk:DebtSecuritiesFVNIMember2022-01-012022-09-300001516912obnk:MortgageServicingRightsMemberobnk:OtherNoninterestIncomeMember2022-01-012022-09-300001516912obnk:OtherNoninterestIncomeMemberus-gaap:AvailableforsaleSecuritiesMember2022-01-012022-09-300001516912obnk:OtherNoninterestIncomeMemberobnk:DebtSecuritiesFVNIMember2022-01-012022-09-300001516912obnk:MortgageServicingRightsMember2022-01-012022-09-300001516912us-gaap:AvailableforsaleSecuritiesMember2022-01-012022-09-300001516912obnk:DebtSecuritiesFVNIMember2022-01-012022-09-300001516912obnk:BTHMemberobnk:MortgageServicingRightsMember2022-01-012022-09-300001516912obnk:MortgageServicingRightsMember2022-09-300001516912us-gaap:AvailableforsaleSecuritiesMember2022-09-300001516912obnk:DebtSecuritiesFVNIMember2022-09-300001516912obnk:LoansatFairValueMember2020-12-310001516912obnk:MortgageServicingRightsMember2020-12-310001516912us-gaap:AvailableforsaleSecuritiesMember2020-12-310001516912obnk:DebtSecuritiesFVNIMember2020-12-310001516912obnk:LoansatFairValueMemberobnk:MortgageBankingRevenueMember2021-01-012021-09-300001516912obnk:MortgageBankingRevenueMemberobnk:MortgageServicingRightsMember2021-01-012021-09-300001516912obnk:MortgageBankingRevenueMemberus-gaap:AvailableforsaleSecuritiesMember2021-01-012021-09-300001516912obnk:MortgageBankingRevenueMemberobnk:DebtSecuritiesFVNIMember2021-01-012021-09-300001516912obnk:LoansatFairValueMemberobnk:OtherNoninterestIncomeMember2021-01-012021-09-300001516912obnk:MortgageServicingRightsMemberobnk:OtherNoninterestIncomeMember2021-01-012021-09-300001516912obnk:OtherNoninterestIncomeMemberus-gaap:AvailableforsaleSecuritiesMember2021-01-012021-09-300001516912obnk:OtherNoninterestIncomeMemberobnk:DebtSecuritiesFVNIMember2021-01-012021-09-300001516912obnk:LoansatFairValueMember2021-01-012021-09-300001516912obnk:MortgageServicingRightsMember2021-01-012021-09-300001516912us-gaap:AvailableforsaleSecuritiesMember2021-01-012021-09-300001516912obnk:DebtSecuritiesFVNIMember2021-01-012021-09-300001516912obnk:LoansatFairValueMember2021-09-300001516912obnk:MortgageServicingRightsMember2021-09-300001516912us-gaap:AvailableforsaleSecuritiesMember2021-09-300001516912obnk:DebtSecuritiesFVNIMember2021-09-300001516912srt:MinimumMember2022-01-012022-09-300001516912srt:MaximumMember2022-01-012022-09-300001516912srt:WeightedAverageMember2022-01-012022-09-300001516912srt:MinimumMember2021-01-012021-12-310001516912srt:MaximumMember2021-01-012021-12-310001516912srt:WeightedAverageMember2021-01-012021-12-310001516912obnk:LoansHeldforSaleMember2022-09-300001516912obnk:DebtSecuritiesFVNIMember2022-09-300001516912us-gaap:USGovernmentAgenciesDebtSecuritiesMember2022-09-300001516912obnk:LoansHeldforSaleMember2021-12-310001516912obnk:DebtSecuritiesFVNIMember2021-12-310001516912us-gaap:USGovernmentAgenciesDebtSecuritiesMember2021-12-310001516912obnk:MortgageBankingRevenueMember2022-07-012022-09-300001516912obnk:MortgageBankingRevenueMember2021-07-012021-09-300001516912obnk:MortgageBankingRevenueMember2022-01-012022-09-300001516912obnk:MortgageBankingRevenueMember2021-01-012021-09-300001516912obnk:LoansatFairValueMemberus-gaap:OtherIncomeMember2022-07-012022-09-300001516912obnk:LoansatFairValueMemberus-gaap:OtherIncomeMember2021-07-012021-09-300001516912obnk:LoansatFairValueMemberus-gaap:OtherIncomeMember2022-01-012022-09-300001516912obnk:LoansatFairValueMemberus-gaap:OtherIncomeMember2021-01-012021-09-300001516912obnk:DebtSecuritiesFVNIMemberus-gaap:OtherIncomeMember2022-07-012022-09-300001516912obnk:DebtSecuritiesFVNIMemberus-gaap:OtherIncomeMember2021-07-012021-09-300001516912obnk:DebtSecuritiesFVNIMemberus-gaap:OtherIncomeMember2022-01-012022-09-300001516912obnk:DebtSecuritiesFVNIMemberus-gaap:OtherIncomeMember2021-01-012021-09-300001516912us-gaap:OtherIncomeMember2022-07-012022-09-300001516912us-gaap:OtherIncomeMember2021-07-012021-09-300001516912us-gaap:OtherIncomeMember2022-01-012022-09-300001516912us-gaap:OtherIncomeMember2021-01-012021-09-300001516912obnk:NoninterestIncomeMember2022-07-012022-09-300001516912obnk:NoninterestIncomeMember2021-07-012021-09-300001516912obnk:NoninterestIncomeMember2022-01-012022-09-300001516912obnk:NoninterestIncomeMember2021-01-012021-09-300001516912srt:MinimumMemberus-gaap:MeasurementInputCreditSpreadMember2022-01-012022-09-300001516912srt:MaximumMemberus-gaap:MeasurementInputCreditSpreadMember2022-01-012022-09-300001516912srt:MaximumMemberus-gaap:MeasurementInputCreditSpreadMember2021-01-012021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:FairValueMeasurementsNonrecurringMember2021-12-310001516912us-gaap:FairValueInputsLevel3Memberobnk:ResidentialRealEstateLoanMemberus-gaap:FairValueMeasurementsNonrecurringMemberobnk:RealEstatePortfolioSegmentMember2022-09-300001516912us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2022-09-300001516912us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2022-09-300001516912us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2021-12-310001516912us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel1Member2021-12-310001516912us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2022-09-300001516912us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2022-09-300001516912us-gaap:CarryingReportedAmountFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2021-12-310001516912us-gaap:EstimateOfFairValueFairValueDisclosureMemberus-gaap:FairValueInputsLevel2Member2021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:CarryingReportedAmountFairValueDisclosureMember2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2022-09-300001516912us-gaap:FairValueInputsLevel3Memberus-gaap:CarryingReportedAmountFairValueDisclosureMember2021-12-310001516912us-gaap:FairValueInputsLevel3Memberus-gaap:EstimateOfFairValueFairValueDisclosureMember2021-12-310001516912obnk:LincolnAgencyAndPulleyWhiteInsuranceAgencyMember2021-01-012021-12-310001516912us-gaap:CoreDepositsMember2022-09-300001516912us-gaap:CoreDepositsMember2022-01-012022-09-300001516912us-gaap:CustomerRelationshipsMember2022-09-300001516912us-gaap:TradeNamesMember2022-09-300001516912us-gaap:NoncompeteAgreementsMember2022-09-300001516912obnk:LincolnAgencyAndPulleyWhiteInsuranceAgencyMember2022-01-012022-09-300001516912us-gaap:CoreDepositsMember2021-12-310001516912us-gaap:CoreDepositsMember2021-01-012021-12-310001516912us-gaap:CustomerRelationshipsMember2021-12-310001516912us-gaap:CustomerRelationshipsMember2021-01-012021-12-310001516912us-gaap:TradeNamesMember2021-12-310001516912us-gaap:TradeNamesMember2021-01-012021-12-310001516912us-gaap:NoncompeteAgreementsMember2021-12-310001516912us-gaap:NoncompeteAgreementsMember2021-01-012021-12-310001516912obnk:BTHMember2021-07-012021-09-300001516912us-gaap:FinancialAssetsSoldUnderAgreementToRepurchaseMember2022-09-300001516912us-gaap:FinancialAssetsSoldUnderAgreementToRepurchaseMember2021-12-310001516912us-gaap:FederalHomeLoanBankAdvancesMember2022-09-300001516912us-gaap:FederalHomeLoanBankAdvancesMember2021-12-310001516912us-gaap:GovernmentNationalMortgageAssociationGnmaInsuredLoansMember2022-09-300001516912us-gaap:GovernmentNationalMortgageAssociationGnmaInsuredLoansMember2021-12-310001516912us-gaap:FederalHomeLoanBankAdvancesMember2022-09-300001516912us-gaap:FederalHomeLoanBankAdvancesMember2021-12-310001516912us-gaap:SubordinatedDebtMember2022-09-300001516912us-gaap:SubordinatedDebtMember2021-12-310001516912us-gaap:FinancialAssetsSoldUnderAgreementToRepurchaseMember2022-01-012022-09-300001516912us-gaap:FinancialAssetsSoldUnderAgreementToRepurchaseMember2021-01-012021-12-310001516912obnk:BTHMemberus-gaap:SubordinatedDebtMember2022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueJune2025Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMembersrt:MinimumMemberobnk:FloatingRateSubordinatedPromissoryNotesDueJune2025Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueJune2025Memberus-gaap:SubordinatedDebtMembersrt:MaximumMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueJune2025Memberus-gaap:SubordinatedDebtMember2022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2023Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2023Membersrt:MinimumMemberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2023Memberus-gaap:SubordinatedDebtMembersrt:MaximumMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2023Memberus-gaap:SubordinatedDebtMember2022-08-010001516912obnk:BTHMemberus-gaap:SubordinatedDebtMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2026Memberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMembersrt:MinimumMemberus-gaap:SubordinatedDebtMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2026Memberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberus-gaap:SubordinatedDebtMembersrt:MaximumMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2026Memberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberus-gaap:SubordinatedDebtMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2026Member2022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2024Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2024Membersrt:MinimumMemberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2024Memberus-gaap:SubordinatedDebtMembersrt:MaximumMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2024Memberus-gaap:SubordinatedDebtMember2022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2027Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2027Membersrt:MinimumMemberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2027Memberus-gaap:SubordinatedDebtMembersrt:MaximumMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2027Memberus-gaap:SubordinatedDebtMember2022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2025Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2025Membersrt:MinimumMemberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2025Memberus-gaap:SubordinatedDebtMembersrt:MaximumMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2025Memberus-gaap:SubordinatedDebtMember2022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2028Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2028Membersrt:MinimumMemberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2028Memberus-gaap:SubordinatedDebtMembersrt:MaximumMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FloatingRateSubordinatedPromissoryNotesDueDecember2028Memberus-gaap:SubordinatedDebtMember2022-08-010001516912obnk:BTHMemberobnk:FixedToFloatingRateSubordinatedPromissoryNotesDueJune2031Memberus-gaap:SubordinatedDebtMember2022-08-010001516912obnk:BTHMemberobnk:FixedToFloatingRateSubordinatedPromissoryNotesDueJune2031Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMembersrt:MinimumMemberobnk:FixedToFloatingRateSubordinatedPromissoryNotesDueJune2031Memberus-gaap:SubordinatedDebtMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:FixedToFloatingRateSubordinatedPromissoryNotesDueJune2031Memberus-gaap:SubordinatedDebtMembersrt:MaximumMemberus-gaap:PrimeRateMember2022-08-012022-08-010001516912obnk:BTHMemberobnk:LegacySubordinatedDebtMemberus-gaap:SubordinatedDebtMember2022-08-010001516912us-gaap:SubordinatedDebtMember2022-08-010001516912us-gaap:SubordinatedDebtMember2022-08-012022-08-010001516912obnk:BTHMemberus-gaap:JuniorSubordinatedDebtMember2022-08-01obnk:trust0001516912obnk:BTHMemberus-gaap:JuniorSubordinatedDebtMember2022-08-012022-08-010001516912obnk:CTBStatutoryTrustIDueJuly2031Memberus-gaap:JuniorSubordinatedDebtMember2022-09-300001516912obnk:CTBStatutoryTrustIDueJuly2031Memberus-gaap:JuniorSubordinatedDebtMembersrt:MaximumMember2022-09-300001516912us-gaap:JuniorSubordinatedDebtMemberobnk:FirstLouisianaStatutoryTrustIDueDecember2036Member2022-09-300001516912us-gaap:JuniorSubordinatedDebtMembersrt:MaximumMemberobnk:FirstLouisianaStatutoryTrustIDueDecember2036Member2022-09-300001516912us-gaap:JuniorSubordinatedDebtMemberobnk:BTHoldingsTrustISeptember2037Member2022-09-300001516912us-gaap:JuniorSubordinatedDebtMember2022-09-300001516912us-gaap:JuniorSubordinatedDebtMember2022-08-010001516912obnk:CTBStatutoryTrustIDueJuly2031Memberus-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMember2022-01-012022-09-300001516912us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberobnk:FirstLouisianaStatutoryTrustIDueDecember2036Member2022-01-012022-09-300001516912us-gaap:JuniorSubordinatedDebtMemberus-gaap:LondonInterbankOfferedRateLIBORMemberobnk:BTHoldingsTrustISeptember2037Member2022-01-012022-09-300001516912us-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:OtherAssetsMemberus-gaap:InterestRateSwapMember2022-09-300001516912us-gaap:CashFlowHedgingMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:OtherAssetsMemberus-gaap:InterestRateSwapMember2021-12-310001516912us-gaap:NondesignatedMemberus-gaap:OtherAssetsMemberus-gaap:InterestRateSwapMember2022-09-300001516912us-gaap:NondesignatedMemberus-gaap:OtherAssetsMemberus-gaap:InterestRateSwapMember2021-12-310001516912us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMember2022-09-300001516912us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMember2021-12-310001516912obnk:RiskParticipationDerivativeMemberus-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMember2022-09-300001516912obnk:RiskParticipationDerivativeMemberus-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMember2021-12-310001516912us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberobnk:ForwardCommitmenttoPurchaseMember2022-09-300001516912us-gaap:OtherLiabilitiesMemberus-gaap:NondesignatedMemberobnk:ForwardCommitmenttoPurchaseMember2021-12-310001516912us-gaap:NondesignatedMemberobnk:ForwardCommitmenttoSellMemberus-gaap:OtherAssetsMember2022-09-300001516912us-gaap:NondesignatedMemberobnk:ForwardCommitmenttoSellMemberus-gaap:OtherAssetsMember2021-12-310001516912us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMemberus-gaap:OtherAssetsMember2022-09-300001516912us-gaap:InterestRateLockCommitmentsMemberus-gaap:NondesignatedMemberus-gaap:OtherAssetsMember2021-12-310001516912us-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:ShortMemberus-gaap:InterestRateSwapMember2022-09-300001516912us-gaap:LongMemberus-gaap:DesignatedAsHedgingInstrumentMemberus-gaap:InterestRateSwapMember2022-09-300001516912us-gaap:ShortMemberus-gaap:NondesignatedMemberobnk:FinancialInstitutionMemberus-gaap:InterestRateSwapMember2022-09-300001516912us-gaap:LongMemberus-gaap:NondesignatedMemberobnk:FinancialInstitutionMemberus-gaap:InterestRateSwapMember2022-09-300001516912us-gaap:ShortMemberobnk:CustomerMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMember2022-09-300001516912us-gaap:LongMemberobnk:CustomerMemberus-gaap:NondesignatedMemberus-gaap:InterestRateSwapMember2022-09-300001516912obnk:A2012PlanMember2022-09-300001516912us-gaap:EmployeeStockMember2021-04-300001516912us-gaap:EmployeeStockMember2022-09-300001516912us-gaap:EmployeeStockMember2021-04-012021-04-300001516912srt:MinimumMemberus-gaap:PhantomShareUnitsPSUsMember2022-02-012022-02-280001516912us-gaap:PhantomShareUnitsPSUsMembersrt:MaximumMember2022-02-012022-02-280001516912us-gaap:PhantomShareUnitsPSUsMember2022-02-012022-02-280001516912us-gaap:EmployeeStockOptionMember2021-01-012021-09-300001516912us-gaap:EmployeeStockOptionMember2022-07-012022-09-300001516912us-gaap:EmployeeStockOptionMember2022-01-012022-09-300001516912us-gaap:EmployeeStockOptionMember2021-07-012021-09-300001516912obnk:RestrictedStockAndRestrictedStockUnitsMember2022-07-012022-09-300001516912obnk:RestrictedStockAndRestrictedStockUnitsMember2021-07-012021-09-300001516912obnk:RestrictedStockAndRestrictedStockUnitsMember2022-01-012022-09-300001516912obnk:RestrictedStockAndRestrictedStockUnitsMember2021-01-012021-09-300001516912us-gaap:PhantomShareUnitsPSUsMember2022-07-012022-09-300001516912us-gaap:PhantomShareUnitsPSUsMember2021-07-012021-09-300001516912us-gaap:PhantomShareUnitsPSUsMember2022-01-012022-09-300001516912us-gaap:PhantomShareUnitsPSUsMember2021-01-012021-09-300001516912us-gaap:EmployeeStockMember2022-07-012022-09-300001516912us-gaap:EmployeeStockMember2021-07-012021-09-300001516912us-gaap:EmployeeStockMember2022-01-012022-09-300001516912us-gaap:EmployeeStockMember2021-01-012021-09-300001516912srt:MinimumMemberus-gaap:RestrictedStockUnitsRSUMember2022-01-012022-09-300001516912us-gaap:RestrictedStockMembersrt:MinimumMember2022-01-012022-09-300001516912us-gaap:RestrictedStockMembersrt:MaximumMember2022-01-012022-09-300001516912us-gaap:RestrictedStockUnitsRSUMembersrt:MaximumMember2022-01-012022-09-30obnk:category0001516912us-gaap:RestrictedStockMember2021-12-310001516912us-gaap:RestrictedStockMember2020-12-310001516912us-gaap:RestrictedStockMember2022-01-012022-09-300001516912us-gaap:RestrictedStockMember2021-01-012021-09-300001516912us-gaap:RestrictedStockMember2022-09-300001516912us-gaap:RestrictedStockMember2021-09-300001516912us-gaap:RestrictedStockUnitsRSUMember2021-12-310001516912us-gaap:RestrictedStockUnitsRSUMember2020-12-310001516912us-gaap:RestrictedStockUnitsRSUMember2022-01-012022-09-300001516912us-gaap:RestrictedStockUnitsRSUMember2021-01-012021-09-300001516912us-gaap:RestrictedStockUnitsRSUMember2022-09-300001516912us-gaap:RestrictedStockUnitsRSUMember2021-09-300001516912us-gaap:PhantomShareUnitsPSUsMember2021-12-310001516912us-gaap:PhantomShareUnitsPSUsMember2020-12-310001516912us-gaap:PhantomShareUnitsPSUsMember2022-09-300001516912us-gaap:PhantomShareUnitsPSUsMember2021-09-3000015169122020-01-012020-12-310001516912us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-12-310001516912us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-12-310001516912us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2022-09-300001516912us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2022-09-300001516912us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2020-12-310001516912us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2020-12-310001516912us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-01-012021-09-300001516912us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-01-012021-09-300001516912us-gaap:AccumulatedNetUnrealizedInvestmentGainLossMember2021-09-300001516912us-gaap:AccumulatedGainLossNetCashFlowHedgeParentMember2021-09-300001516912srt:ParentCompanyMember2022-09-300001516912obnk:OriginBankMembersrt:SubsidiariesMember2022-09-300001516912srt:ParentCompanyMember2021-12-310001516912obnk:OriginBankMembersrt:SubsidiariesMember2021-12-3100015169122019-07-3100015169122019-07-012019-07-3100015169122019-07-012022-06-3000015169122022-07-3100015169122022-07-012022-07-310001516912us-gaap:CommitmentsToExtendCreditMember2022-09-300001516912us-gaap:FinancialStandbyLetterOfCreditMember2022-09-300001516912us-gaap:CommitmentsToExtendCreditMember2021-12-310001516912us-gaap:FinancialStandbyLetterOfCreditMember2021-12-310001516912obnk:CommitmentsToExtendCreditUnconditionalCancellableCommitmentsMember2022-09-300001516912obnk:CommitmentsToExtendCreditUnconditionalCancellableCommitmentsMember2021-12-310001516912us-gaap:LetterOfCreditMemberobnk:FederalHomeLoanBankMember2022-09-30obnk:letter_of_credit0001516912us-gaap:LetterOfCreditMemberobnk:FederalHomeLoanBankMember2021-12-310001516912obnk:BTHMemberobnk:RetentionBonusesAndGuaranteedMinimumIncentivesMember2022-09-300001516912obnk:BTHMemberobnk:RetentionBonusesMember2022-09-300001516912obnk:BTHMemberobnk:GuaranteedMinimumIncentivesMember2022-09-300001516912obnk:LincolnAgencyLLCAndPulleyWhiteInsuranceAgencyIncMember2021-12-310001516912obnk:LincolnAgencyLLCAndPulleyWhiteInsuranceAgencyIncMember2021-12-312021-12-310001516912us-gaap:FinancialGuaranteeMember2022-09-300001516912us-gaap:FinancialGuaranteeMember2021-12-31


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, 2022

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 filerAccelerated 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: 30,674,202 shares of Common Stock, par value $5.00 per share, were issued and outstanding at October 27, 2022.



ORIGIN BANCORP, INC.
FORM 10-Q
SEPTEMBER 30, 2022
INDEX
Page



Table of Contents
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:
business and economic conditions generally and in the financial services industry, nationally and within our local market areas, including the impact of supply-chain disruptions and labor pressures;
customer income, creditworthiness and confidence, spending and savings that may affect customer bankruptcies, defaults, charge-offs and deposit activity;
natural disasters and adverse weather events (including hurricanes), acts of terrorism, an outbreak of hostilities, (including the impacts related to or resulting from Russia's military action in Ukraine, including the imposition of additional sanctions and export controls, as well as the broader impacts to financial markets and the global macroeconomic and geopolitical environments), 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;
the duration and impact of the coronavirus ("COVID-19") pandemic and efforts to contain its transmission, 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 (“CARES Act") and any related future economic stimulus legislation;
the discontinuation of LIBOR (and its replacement with alternatives) could result in financial, operational, legal, reputational or compliance risks to us;
deterioration of our asset quality;
risks associated with widespread inflation or deflation;
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 merger/acquisition transactions;
the risks of mergers, acquisitions and divestitures, including our ability to continue to identify acquisition or merger targets and successfully acquire and integrate desirable financial institutions;
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;
3


Table of Contents
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 and of capital markets;
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;
potential claims, damages, penalties, fines and reputational damage resulting from pending or future litigation, regulatory proceedings or enforcement actions;
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, slowdowns in economic growth and threats of recession;
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; and
our ability to manage the risks involved in the foregoing.
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



Table of Contents

ORIGIN BANCORP, INC.
Consolidated Balance Sheets
(Dollars in thousands, except per share amounts)

September 30, 2022December 31, 2021
Assets(Unaudited)
Cash and due from banks$118,505 $133,334 
Interest-bearing deposits in banks181,965 572,284 
Total cash and cash equivalents300,470 705,618 
Securities:
Available for sale1,672,170 1,504,728 
Held to maturity, net allowance for credit losses of $892 and $167 at September 30, 2022, and December 31, 2021, respectively (fair value of $11,770 and $25,117 at September 30, 2022, and December 31, 2021, respectively)
11,285 22,767 
Securities carried at fair value through income6,347 7,497 
Total securities1,689,802 1,534,992 
Non-marketable equity securities held in other financial institutions53,899 45,192 
Loans held for sale ($33,494 and $37,032 at fair value at September 30, 2022, and December 31, 2021, respectively)
59,714 80,387 
Loans, net of allowance for credit losses of $83,359 and $64,586 at September 30, 2022, and December 31, 2021, respectively
6,799,322 5,166,745 
Premises and equipment, net99,291 80,691 
Mortgage servicing rights21,654 16,220 
Cash surrender value of bank-owned life insurance38,885 38,352 
Goodwill136,793 34,368 
Other intangible assets, net52,384 16,962 
Accrued interest receivable and other assets210,425 141,758 
Total assets$9,462,639 $7,861,285 
Liabilities and Stockholders' Equity
Noninterest-bearing deposits$2,667,489 $2,163,507 
Interest-bearing deposits4,361,423 3,864,058 
Time deposits748,415 543,128 
Total deposits7,777,327 6,570,693 
Federal Home Loan Bank ("FHLB") advances, repurchase obligations and other borrowings450,456 309,801 
Subordinated indebtedness, net201,687 157,417 
Accrued expenses and other liabilities126,145 93,163 
Total liabilities8,555,615 7,131,074 
Commitments and contingencies - See Note 15 - Commitments and Contingencies
  
Stockholders' equity:
Common stock ($5.00 par value; 50,000,000 shares authorized; 30,661,734 and 23,746,502 shares issued at September 30, 2022, and December 31, 2021, respectively)
153,309 118,733 
Additional paid‑in capital518,376 242,114 
Retained earnings410,572 363,635 
Accumulated other comprehensive (loss) income(175,233)5,729 
Total stockholders' equity907,024 730,211 
Total liabilities and stockholders' equity$9,462,639 $7,861,285 

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

5

Table of Contents
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,
2022202120222021
Interest and dividend income
Interest and fees on loans$79,803 $53,182 $186,972 $165,521 
Investment securities-taxable7,801 3,449 20,030 9,864 
Investment securities-nontaxable2,151 1,582 5,044 4,844 
Interest and dividend income on assets held in other financial institutions1,482 538 3,262 1,297 
Total interest and dividend income91,237 58,751 215,308 181,526 
Interest expense
Interest-bearing deposits7,734 3,255 13,689 10,461 
FHLB advances and other borrowings2,717 1,118 5,203 3,493 
Subordinated indebtedness2,263 1,837 5,887 5,500 
Total interest expense12,714 6,210 24,779 19,454 
Net interest income
78,523 52,541 190,529 162,072 
Provision for credit losses16,942 (3,921)20,067 (8,118)
Net interest income after provision for credit losses61,581 56,462 170,462 170,190 
Noninterest income
Service charges and fees4,734 3,973 13,006 11,055 
Insurance commission and fee income5,666 3,451 17,815 10,272 
Mortgage banking (loss) revenue(929)2,728 5,521 10,070 
Other fee income1,162 783 2,398 2,177 
Gain on sales of securities, net1,664  1,664 1,673 
Gain (loss) on sales and disposals of other assets, net70 (8)(209)(88)
Limited partnership investment income112 3,078 31 5,651 
Swap fee income25 727 165 1,099 
Other income1,219 1,191 3,454 3,583 
Total noninterest income13,723 15,923 43,845 45,492 
The accompanying notes are an integral part of these consolidated financial statements.

6

Table of Contents
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,
2022202120222021
Noninterest expense
Salaries and employee benefits$31,834 $23,629 $85,632 $68,308 
Occupancy and equipment, net5,399 4,353 14,340 13,041 
Data processing2,689 2,329 7,588 6,815 
Office and operations2,121 1,598 5,843 4,550 
Loan-related expenses1,599 1,949 4,421 5,808 
Professional services1,188 912 2,668 2,721 
Electronic banking1,087 997 2,900 2,947 
Advertising and marketing1,196 863 2,926 2,291 
Franchise tax expense957 598 2,565 1,846 
Regulatory assessments877 664 2,305 2,378 
Intangible asset amortization1,872 194 2,934 650 
Communications279 359 812 1,288 
Merger-related expense 3,614  4,992  
Other expenses1,529 720 3,239 3,790 
Total noninterest expense56,241 39,165 143,165 116,433 
Income before income tax expense19,063 33,220 71,142 99,249 
Income tax expense2,820 6,242 12,905 19,025 
Net income$16,243 $26,978 $58,237 $80,224 
Basic earnings per common share$0.57 $1.15 $2.31 $3.43 
Diluted earnings per common share0.57 1.14 2.30 3.40 
The accompanying notes are an integral part of these consolidated financial statements.

7

Table of Contents
ORIGIN BANCORP, INC.
Consolidated Statements of Comprehensive (Loss) Income
(Unaudited)
(Dollars in thousands)
Three Months Ended September 30,Nine Months Ended September 30,
2022202120222021
Net income$16,243 $26,978 $58,237 $80,224 
Other comprehensive (loss) income
Securities available for sale and transferred securities:
Net unrealized holding (loss) gain arising during the period(73,757)(8,990)(228,605)(16,211)
Net losses realized as a yield adjustment in interest on investment securities(3)(3)(9)(8)
Reclassification adjustment for net gain included in net income(1,664) (1,664)(1,673)
Change in the net unrealized (loss) gain on investment securities, before tax(75,424)(8,993)(230,278)(17,892)
Income tax (benefit) expense related to net unrealized (loss) gain arising during the period(15,839)(1,888)(48,359)(3,757)
Change in the net unrealized (loss) gain on investment securities, net of tax(59,585)(7,105)(181,919)(14,135)
Cash flow hedges:
Net unrealized gain (loss) arising during the period438 26 1,167 301 
Reclassification adjustment for (loss) included in net income19 (53)(45)(152)
Change in the net unrealized gain (loss) on cash flow hedges, before tax419 79 1,212 453 
Income tax expense (benefit) related to net unrealized gain (loss) on cash flow hedges88 16 255 95 
Change in net unrealized position on cash flow hedges, net of tax331 63 957 358 
Other comprehensive loss, net of tax(59,254)(7,042)(180,962)(13,777)
Comprehensive (loss) income$(43,011)$19,936 $(122,725)$66,447 

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

8

Table of Contents
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, 202123,506,312 $117,532 $237,341 $266,628 $25,649 $647,150 
Net income— — — 25,513 — 25,513 
Other comprehensive loss, net of tax— — — — (13,464)(13,464)
Recognition of stock compensation, net20,140 100 661 — — 761 
Dividends declared - common stock ($0.10 per share)
— — — (2,349)— (2,349)
Repurchase of common stock(37,568)(188)(1,068)— — (1,256)
Balance at March 31, 202123,488,884 $117,444 $236,934 $289,792 $12,185 $656,355 
Net income— — — 27,733 — 27,733 
Other comprehensive income, net of tax— — — — 6,729 6,729 
Recognition of stock compensation, net13,331 67 404 — — 471 
Dividends declared - common stock ($0.13 per share)
— — — (3,053)— (3,053)
Balance at June 30, 2021 23,502,215 $117,511 $237,338 $314,472 $18,914 $688,235 
Net income— — — 26,978 — 26,978 
Other comprehensive loss, net of tax— — — — (7,042)(7,042)
Recognition of stock compensation, net(6,157)(31)590 — — 559 
Dividends declared - common stock ($0.13 per share)
— — — (3,063)— (3,063)
Balance at September 30, 202123,496,058 $117,480 $237,928 $338,387 $11,872 $705,667 
The accompanying notes are an integral part of these consolidated financial statements.

9

ORIGIN BANCORP, INC.
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 (Loss)
Total
Stockholders'
Equity
Balance at January 1, 202223,746,502$118,733 $242,114 $363,635 $5,729 $730,211 
Net income— — — 20,683— 20,683 
Other comprehensive loss, net of tax— — — — (71,619)(71,619)
Recognition of stock compensation, net2,246 11675— — 686 
Dividends declared - common stock ($0.13 per share)
— — — (3,096)