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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, 2023

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 shareOBKNew York Stock Exchange
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: 30,906,716 shares of Common Stock, par value $5.00 per share, were issued and outstanding at October 31, 2023.



ORIGIN BANCORP, INC.
FORM 10-Q
SEPTEMBER 30, 2023
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:
economic uncertainty or a deterioration in economic conditions or slowdowns in economic growth in the United States generally, and particularly in the market areas in which we operate and in which our loans are concentrated, including declines in home sale volumes and financial stress on borrowers (consumers and businesses) as a result of higher interest rates or an uncertain economic environment;
adverse developments in the banking industry highlighted by high-profile bank failures and the impact of such developments on customer confidence, liquidity and regulatory responses to these developments (including increases in the cost of our deposit insurance assessments), our ability to effectively manage our liquidity risk and any growth plans and the availability of capital and funding;
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;
fluctuating and/or volatile interest rates, capital markets and the impact of inflation on our business and financial results, as well as the impact on our customers (including the velocity of loan repayment);
changes in the interest rate environment may reduce interest margins;
prepayment speeds, loan origination and sale volumes, charge-offs and loan loss provisions may vary substantially from period to period;
global business and economic conditions and in the financial services industry, nationally and within our local market areas;
an increase in unemployment levels, slowdowns in economic growth and threats of recession;
customer income, creditworthiness and confidence, spending and savings that may affect customer bankruptcies, defaults, charge-offs and deposit activity;
the credit risk associated with the substantial amount of commercial real estate, construction and land development, and commercial loans in our loan portfolio;
the credit risks of lending activities, including our ability to estimate credit losses and the allowance for credit losses, as well as the effects of changes in the level of, and trends in, loan delinquencies and write-offs.
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;
changes in the prices, values and sales volumes of residential and commercial real estate, especially as they relate to the value of collateral supporting the Company’s loans;
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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, and the ongoing conflict in Israel and the surrounding region, 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 and any reputational or other financial risks following such a cybersecurity incident;
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;
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;
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 and compete for deposits;
operational risks associated with our business;
increased competition in the financial services industry, particularly from regional and national institutions, as well as fintech companies, may accelerate due to the current economic environment;
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;
risks related to environmental, social and governance (“ESG”) strategies and initiatives, the scope and pace of which could alter our reputation and shareholder, associate, customer and third-party affiliations;
changes in the utility of our non-GAAP measurements and their underlying assumptions or estimates;
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;


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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;
a deterioration of the credit rating for U.S. long-term sovereign debt, actions that the U.S. government may take to avoid exceeding the debt ceiling, and uncertainties surrounding the debt ceiling and the federal budget;
•    the risk that the regulatory environment may not be conducive to or may prohibit the consummation of future mergers and/or business combinations, may increase the length of time and amount of resources required to consummate such transactions, and may reduce the anticipated benefit; 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.


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

September 30, 2023December 31, 2022
Assets(Unaudited)
Cash and due from banks$141,705 $150,180 
Interest-bearing deposits in banks163,573 208,792 
Total cash and cash equivalents305,278 358,972 
Securities:
Available for sale1,290,839 1,641,484 
Held to maturity, net allowance for credit losses of $890 and $899 at September 30, 2023, and December 31, 2022, respectively (fair value of $11,005 and $11,970 at September 30, 2023, and December 31, 2022, respectively)
10,790 11,275 
Securities carried at fair value through income6,772 6,368 
Total securities1,308,401 1,659,127 
Non-marketable equity securities held in other financial institutions63,842 67,378 
Loans held for sale ($14,944 and $25,389 at fair value at September 30, 2023, and December 31, 2022, respectively)
14,944 49,957 
Loans, net of allowance for credit losses of $95,177 and $87,161 at September 30, 2023, and December 31, 2022, respectively
7,472,886 7,002,861 
Premises and equipment, net111,700 100,201 
Mortgage servicing rights19,189 20,824 
Cash surrender value of bank-owned life insurance39,688 39,040 
Goodwill128,679 128,679 
Other intangible assets, net42,460 49,829 
Accrued interest receivable and other assets226,236 209,199 
Total assets$9,733,303 $9,686,067 
Liabilities and Stockholders’ Equity
Noninterest-bearing deposits$2,008,671 $2,482,475 
Interest-bearing deposits4,728,263 4,505,940 
Time deposits1,637,554 787,287 
Total deposits8,374,488 7,775,702 
Federal Home Loan Bank (“FHLB”) advances, repurchase obligations and other borrowings12,213 639,230 
Subordinated indebtedness, net196,825 201,765 
Accrued expenses and other liabilities150,832 119,427 
Total liabilities8,734,358 8,736,124 
Stockholders’ equity:
Common stock ($5.00 par value; 50,000,000 shares authorized; 30,906,716 and 30,746,600 shares issued at September 30, 2023, and December 31, 2022, respectively)
154,534 153,733 
Additional paid‑in capital525,434 520,669 
Retained earnings491,706 435,416 
Accumulated other comprehensive loss(172,729)(159,875)
Total stockholders’ equity998,945 949,943 
Total liabilities and stockholders’ equity$9,733,303 $9,686,067 
The accompanying condensed notes are an integral part of these consolidated financial statements.

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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,
2023202220232022
Interest and dividend income
Interest and fees on loans$121,204 $79,803 $343,142 $186,972 
Investment securities-taxable8,194 7,801 24,658 20,030 
Investment securities-nontaxable1,281 2,151 3,974 5,044 
Interest and dividend income on assets held in other financial institutions4,772 1,482 16,132 3,262 
Total interest and dividend income135,451 91,237 387,906 215,308 
Interest expense
Interest-bearing deposits55,599 7,734 136,686 13,689 
FHLB advances and other borrowings3,207 2,717 17,038 5,203 
Subordinated indebtedness2,515 2,263 7,614 5,887 
Total interest expense61,321 12,714 161,338 24,779 
Net interest income
74,130 78,523 226,568 190,529 
Provision for credit losses3,515 16,942 14,018 20,067 
Net interest income after provision for credit losses70,615 61,581 212,550 170,462 
Noninterest income
Insurance commission and fee income6,443 5,666 19,639 17,815 
Service charges and fees4,621 4,734 13,914 13,006 
Mortgage banking revenue (loss)892 (929)4,075 5,521 
Other fee income944 1,162 2,856 2,398 
Swap fee income366 25 1,081 165 
(Loss) gain on sales of securities, net(7,173)1,664 (7,029)1,664 
Limited partnership investment (loss) income(425)112 (128)31 
Gain (loss) on sales and disposals of other assets, net45 70 (3)(209)
Other income12,406 1,219 15,734 3,454 
Total noninterest income18,119 13,723 50,139 43,845 
The accompanying condensed notes are an integral part of these consolidated financial statements.

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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,
2023202220232022
Noninterest expense
Salaries and employee benefits$34,624 $31,834 $102,888 $85,632 
Occupancy and equipment, net6,790 5,399 19,871 14,340 
Data processing2,775 2,689 8,528 7,588 
Intangible asset amortization2,264 1,872 7,369 2,934 
Office and operations2,868 2,121 7,887 5,843 
Professional services1,409 1,188 4,491 2,668 
Loan-related expenses1,220 1,599 3,941 4,421 
Advertising and marketing1,371 1,196 4,296 2,926 
Electronic banking1,384 1,087 3,609 2,900 
Franchise tax expense520 957 2,392 2,565 
Regulatory assessments1,913 877 4,596 2,305 
Communications390 279 1,181 812 
Merger-related expense  3,614  4,992 
Other expenses1,135 1,529 3,261 3,239 
Total noninterest expense58,663 56,241 174,310 143,165 
Income before income tax expense30,071 19,063 88,379 71,142 
Income tax expense5,758 2,820 18,004 12,905 
Net income$24,313 $16,243 $70,375 $58,237 
Basic earnings per common share$0.79 $0.57 $2.29 $2.31 
Diluted earnings per common share0.79 0.57 2.28 2.30 
The accompanying condensed notes are an integral part of these consolidated financial statements.

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ORIGIN BANCORP, INC.
Consolidated Statements of Comprehensive Income (Loss)
(Unaudited)
(Dollars in thousands)
Three Months Ended September 30,Nine Months Ended September 30,
2023202220232022
Net income$24,313 $16,243 $70,375 $58,237 
Other comprehensive income (loss)
Securities available for sale and transferred securities:
Net unrealized holding gain (loss) arising during the period(32,357)(73,757)(23,355)(228,605)
Reclassification adjustment for net (gain) loss included in net income7,173 (1,664)7,029 (1,664)
Change in the net unrealized gain (loss) on available for sale investment securities, before tax(25,184)(75,421)(16,326)(230,269)
Net gain realized as a yield adjustment in interest on transferred investment securities(3)(3)(8)(9)
Change in the net unrealized gain (loss) on investment securities, before tax(25,187)(75,424)(16,334)(230,278)
Income tax expense (benefit) related to net unrealized gain (loss) arising during the period(5,289)(15,839)(3,430)(48,359)
Change in the net unrealized gain (loss) on investment securities, net of tax(19,898)(59,585)(12,904)(181,919)
Cash flow hedges:
Net unrealized gain arising during the period167 438 1,078 1,167 
Reclassification adjustment for net (gain) loss included in net income(106)19 (1,014)(45)
Change in the net unrealized gain on cash flow hedges, before tax61 419 64 1,212 
Income tax expense related to net unrealized gain on cash flow hedges13 88 14 255 
Change in net unrealized net gain on cash flow hedges, net of tax48 331 50 957 
Other comprehensive income (loss), net of tax(19,850)(59,254)(12,854)(180,962)
Comprehensive income (loss)$4,463 $(43,011)$57,521 $(122,725)
The accompanying condensed notes are an integral part of these consolidated financial statements.

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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, 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)
Stock based compensation expense— — 737 — — 737 
Exercise of stock options, net of shares withheld2,246 11 (62)— — (51)
Dividends declared - common stock ($0.13 per share)
— — — (3,096)— (3,096)
Balance at March 31, 202223,748,748 118,744 242,789 381,222 (65,890)676,865 
Net income— — — 21,311 — 21,311 
Other comprehensive loss, net of tax— — — — (50,089)(50,089)
Stock based compensation expense— — 841 — — 841 
Stock based compensation shares vested and distributed, net of shares withheld12,840 64 (64)— —  
Exercise of stock options, net of shares withheld20,000 100 65 — — 165 
Shares issued under employee stock purchase program26,089 130 737 — — 867 
Dividends declared - common stock ($0.15 per share)
— — — (3,587)— (3,587)
Balance at June 30, 202223,807,677 119,038 244,368 398,946 (115,979)646,373 
Net income— — — 16,243 — 16,243 
Other comprehensive loss, net of tax— — — — (59,254)(59,254)
Stock based compensation expense— — 970 — — 970 
Stock based compensation shares vested and distributed, net of shares withheld23,260 116 (116)— —  
Exercise of stock options, net of shares withheld35,887 180 785 — — 965 
Options assumed - BTH Merger— — 13,687 — — 13,687 
Stock issuance - BTH Merger6,794,910 33,975 258,682 — — 292,657 
Dividends declared - common stock ($0.15 per share)
— — — (4,617)— (4,617)
Balance at September 30, 202230,661,734 $153,309 $518,376 $410,572 $(175,233)$907,024 
The accompanying condensed notes are an integral part of these consolidated financial statements.

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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
(Loss) Income
Total
Stockholders’
Equity
Balance at January 1, 202330,746,600$153,733 $520,669 $435,416 $(159,875)$949,943 
Net income— — — 24,302— 24,302 
Other comprehensive income, net of tax— — — — 21,394 21,394 
Stock based compensation expense— — 1,391 — — 1,391 
Stock based compensation shares vested and distributed, net of shares withheld9,750 49 (138)— — (89)
Exercise of stock options, net of shares withheld24,503 122202— — 324 
Dividends declared - common stock ($0.15 per share)
— — — (4,678)— (4,678)
Balance at March 31, 202330,780,853 153,904 522,124 455,040 (138,481)992,587 
Net income— — — 21,760 — 21,760 
Other comprehensive loss, net of tax— — — — (14,398)(14,398)
Stock based compensation expense— — 1,160 — — 1,160 
Stock based compensation shares vested and distributed, net of shares withheld23,647 118 (118)— —  
Exercise of stock options, net of shares withheld15,492 78 249 — — 327 
Shares issued under employee stock purchase program46,213 231 887 — — 1,118 
Dividends declared - common stock ($0.15 per share)
— — — (4,695)— (4,695)
Balance at June 30, 202330,866,205 154,331 524,302 472,105 (152,879)997,859 
Net income— — — 24,313 — 24,313 
Other comprehensive loss, net of tax— — — — (19,850)(19,850)
Stock based compensation expense— — 1,335 — — 1,335 
Stock based compensation shares vested and distributed, net of shares withheld27,388 137 (354)— — (217)
Exercise of stock options, net of shares withheld13,123 66 151 — — 217 
Dividends declared - common stock ($0.15 per share)
— — — (4,712)— (4,712)
Balance at September 30, 202330,906,716 $154,534 $525,434 $491,706 $(172,729)$998,945 





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

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ORIGIN BANCORP, INC.
Consolidated Statements of Cash Flows
(Unaudited)
(Dollars in thousands)

Nine Months Ended September 30,
Cash flows from operating activities:20232022
Net income$70,375 $58,237 
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses14,018 20,067 
Depreciation and amortization13,333 7,809 
Net amortization on securities5,309 7,079 
Accretion of net premium/discount on purchased loans(2,067)(1,187)
Amortization of investments in tax credit funds1,368 951 
Loss (gain) on sale of securities, net7,029 (1,664)
Deferred income tax expense14,499 11,356 
Stock-based compensation expense3,886 2,548 
Originations of mortgage loans held for sale(148,866)(224,093)
Proceeds from mortgage loans held for sale127,574 222,638 
Gain on mortgage loans held for sale, including origination of mortgage servicing rights(3,036)(6,403)
Mortgage servicing rights valuation adjustment485 (2,409)
Net loss on disposals of premises and equipment and sale of other real estate owned2 3 
Increase in the cash surrender value of life insurance(648)(533)
Gain on equity securities without a readily determinable fair value(10,097) 
Net losses on sales and write-downs of other real estate owned1 206 
Net change in operating leases(793)24 
Increase in other assets(8,718)(7,535)
Increase in other liabilities16,821 6,717 
Net cash provided by operating activities100,475 93,811 
Cash flows from investing activities:
Cash acquired in business combination 69,953 
Purchases of securities available for sale(751)(557,151)
Maturities and pay downs of securities available for sale107,679 118,189 
Proceeds from sales and calls of securities available for sale214,302 484,421 
Purchase of securities held to maturity (7,000)
Maturities, pay downs and calls of securities held to maturity486 17,750 
Pay downs of securities carried at fair value285 275 
Net redemption (purchases) of non-marketable equity securities held in other financial institutions15,025 (2,664)
Originations of mortgage warehouse loans(5,048,595)(7,638,507)
Proceeds from pay-offs of mortgage warehouse loans5,047,169 7,846,760 
Net increase in loans, excluding mortgage warehouse and loans held for sale(449,804)(609,608)
Return of capital and other distributions from limited partnership investments1,591 6,657 
Capital calls on limited partnership investments(2,156)(97)
Purchase of low-income housing tax credit investments(538) 
Purchases of premises and equipment(17,514)(5,636)
Proceeds from sales of premises and equipment49  
Net cash used in investing activities(132,772)(276,658)
The accompanying condensed notes are an integral part of these consolidated financial statements.

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ORIGIN BANCORP, INC.
Consolidated Statements of Cash Flows - Continued
(Unaudited)
(Dollars in thousands)

Nine Months Ended September 30,
Cash flows from financing activities:20232022
Net increase (decrease) in deposits$598,786 $(359,825)
Repayments on long-term FHLB advances(199)(193)
Proceeds from short-term FHLB advances5,890,000 5,960,000 
Repayments on short-term FHLB advances(6,440,000)(5,810,000)
Repurchase of subordinated debentures, net(4,729) 
Net decrease in other short-term borrowings(30,000) 
Net decrease in securities sold under agreements to repurchase(22,250)(2,151)
Dividends paid(13,912)(11,263)
Cash received from exercise of stock options907 1,131 
Net cash used in financing activities(21,397)(222,301)
Net decrease in cash and cash equivalents(53,694)(405,148)
Cash and cash equivalents at beginning of period358,972 705,618 
Cash and cash equivalents at end of period$305,278 $300,470 
Interest paid$151,130 $21,123 
Income taxes paid483