Origin Bancorp, Inc. · NYSE:OBK
Origin Bancorp — Q3 2026 Earnings Presentation
31 slides from Origin Bancorp's earnings presentation, Oct 28, 2026
Slide 1: 3Q26 Investor Presentation
3Q TWENTY26 INVESTOR PRESENTATION ORIGIN BANCORP, INC.
Slide 2: Forward-Looking Statements and Non-GAAP Measures
2 FORWARD-LOOKING STATEMENTS AND NON-GAAP MEASURES This presentation contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include information regarding Origin Bancorp, Inc’s (“Origin”, “we”, “our” or the “C
Slide 3: Deposits & Loans by State
ORIGIN BANCORP, INC. _______ LOUISIANA Entry: 1912 Loans: $1,521 Deposits: $3,396 DOLLARS IN MILLIONS, UNAUDITED (1) (2) 3 DEPOSITS & LOANS BY STATE Note: All financial information is as of September 30, 2026. Map location counts include full service branches only as of filing date. Please see slide
Slide 4: To Deliver Elite Level Financial Performance; Updated Financial Outlook
4 T O D E L I V E R E L I T E L E V E L F I N A N C I A L P E R F O R M A N C E PRODUCTIVITY, DELIVERY & EFFICIENCY BALANCE SHEET OPTIMIZATION CULTURE & EMPLOYEE ENGAGEMENT UPDATED FINANCIAL OUTLOOK 4 Q 2 6 2 0 2 6 Loan Growth - ex Warehouse (Yr/Yr) High-Single Digits High-Single Digits Deposit Grow
Slide 5: Strong Net Migration Into Our Markets
STRONG NET MIGRATION INTO OUR MARKETS WEST -1,140,456 MIDWEST -512,765 NORTHEAST -1,504,304 SOUTH +3,157,525 5 TEXAS ALABAMA & FLORIDA PANHANDLE • 8th largest economy in the world • Texas gained 159,400 nonfarm jobs from August 2025 to August 2026 outpacing the annual job growth rate for the U.S. as
Slide 6: 6 ORIGIN BANCORP, INC. _______
6 ORIGIN BANCORP, INC. _______
Slide 7: Optimize Origin & Culture: Glint Results
7 ORIGIN BANCORP, INC. _______ CATEGORY AUGUST 2024 SEPTEMBER 2026 FINANCIAL INDUSTRY BENCHMARK GLOBAL TOP 10% BENCHMARK CULTURE 90 90 N/A 82 ENGAGEMENT 88 90 77 82 EMPLOYEE SATISFACTION 86 88 76 81 RECOMMEND 90 91 77 82 This most recent Glint survey gave Origin our highest scores ever for the categ
Slide 8: Third Quarter 2026 Highlights
ORIGIN BANCORP, INC. _______ • The Company continued to deliver strong performance, and in some cases record performance, across numerous key financial metrics. • Net income was $37.8 million for 3Q26, reflecting an increase of $3.9 million, or 11.6%, compared to 2Q26. • NIM-FTE increased two basis
Slide 9: Trending Key Measures
ORIGIN BANCORP, INC. _______ TRENDING KEY MEASURES UNAUDITED Diluted EPS ($)Net Income ($) Total Deposits ($) 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 26 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 1Q 25 2Q 25 3Q 25 4Q 25 1Q 26 2Q 26 3Q 2
Slide 10: Delivering Shareholder Value
ORIGIN BANCORP, INC. _______ 148 10,105 1997 2002 2007 2012 2017 2022 3Q26 DELIVERING SHAREHOLDER VALUE DOLLARS IN MILLIONS Total Assets ($) Core Deposits(6) ($) 3,011 8,284 2017 2018 2019 2020 2021 2022 2023 2024 2025 3Q26 CAGR 15.8% CAGR 12.3% 10 2,718 2,466 Origin Bancorp, Inc. Cumulative Return
Slide 11: Texas Growth Story
ORIGIN BANCORP, INC. _______ 11 1,152 1,218 1,311 1,741 1,956 2,247 2,620 4,747 5,276 5,250 5,035 5,385 DFW Houston East Texas 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 3Q26 Deposit Trends by Texas Market(10)(11) ($) Loan Trends by Texas Market(2)(9) ($) TEXAS GROWTH STORY Texas Franchi
Slide 12: Loan Growth
ORIGIN BANCORP, INC. _______ 209 121 57 (32) 67 21 91 78 (19) (150) 2Q26 vs 1Q26 3Q26 vs 2Q26 Total Loans Held for Investment Commercial Real Estate Construction/Land/Land Development Commercial and Industrial Mortgage Warehouse Lines of Credits LOAN GROWTH 6,805 7,331 7,225 7,142 7,654 5,593 7,142
Slide 13: Well Diversified Loan Portfolio
ORIGIN BANCORP, INC. _______ Commercial & Industrial (“C&I”) 26% Owner-Occupied Commercial Real Estate (“CRE”) Mortgage Warehouse Lines of Credit Non-Owner- Occupied CRE 20% Construction/Land/Land Development (“C&D”) Multifamily Residential Real Estate Single-Family Residential Real Estate & Consume
Slide 14: Credit Quality
ORIGIN BANCORP, INC. _______ 1.84 1.93 1.97 1.79 1.84 1.65 0.17 0.15 0.02 0.13 Classified Assets / Loans & OREO Net Charge-Offs / Average LHFI (annualized) 3Q25 4Q25 1Q26 2Q26 3Q26 1.18 1.07 1.12 0.98 0.93 0.10 0.19 0.22 0.06 0.13 Nonperforming Assets / Loans & OREO Past due 30 to 89 days and still
Slide 15: Selected Sectors - Key Portfolio Metrics
ORIGIN BANCORP, INC. _______ 15 SELECTED SECTORS - KEY PORTFOLIO METRICS September 30, 2026 Non-Owner-Occupied Commercial Real Estate & C&D Office Multifamily Residential Real Estate + Under Construction Hotel Retail Shopping Outstanding Loan Balance $ 387,149 $ 710,866 $ 113,650 $ 747,986 % of Loan
Slide 16: Investment Securities
ORIGIN BANCORP, INC. _______ Treasury/Agency: 1% MBS: 39% CMO: 30% Municipal: 26% Corporate: 4% 1,128 1,201 1,201 1,178 1,165 3.62 3.46 3.46 3.59 3.57 Total Securities ($) Yield (%) 3Q25 4Q25 1Q26 2Q26 3Q26 Investment Securities Average Balance and Yield INVESTMENT SECURITIES DOLLARS IN MILLIONS • T
Slide 17: Total Loans by Repricing or Maturity
ORIGIN BANCORP, INC. _______ Total Loans at September 30, 2026 (Dollars in thousands) Repricing or Maturity Term Rate Structure 1 Year or less > 1 to 3 Years > 3 to 5 Years > 5 to 10 Years > 10 Years Total Floating Rate(15) Variable Rate(15) Fixed Rate Commercial and Industrial $ 1,720,617 $ 209,709
Slide 18: Deposit Detail
ORIGIN BANCORP, INC. _______ Finance & Insurance: 11% Real Estate Rental & Leasing: 7% Other Business Deposits <2%: 7% Professional, Scientific, & Technical Svcs: 6% Construction: 5% Manufacturing: 4% Mgmt of Companies & Enterprises: 4% Affiliate: 3% Other Svcs (except Public Administration): 3%Heal
Slide 19: Deposit Trends
ORIGIN BANCORP, INC. _______ 3.37 3.30 3.08 2.93 3.05 3.20 2.90 2.66 2.64 2.68 2.46 2.20 2.05 1.99 2.01 Time Deposits Total Interest-Bearing Deposits Total Deposits 3Q25 4Q25 1Q26 2Q26 3Q26 19 8,232 8,372 8,647 8,463 8,684 5,511 5,557 5,857 5,617 5,760 1,901 2,002 1,978 2,080 2,160 820 813 812 766 7
Slide 20: Yields and Costs
ORIGIN BANCORP, INC. _______ 2.49 2.26 2.06 2.02 2.03 3.20 2.90 2.66 2.64 2.68 2.46 2.20 2.05 1.99 2.01 Cost of Total Deposits & Borrowings Cost of Interest Bearing Deposits Cost of Total Deposits 3Q25 4Q25 1Q26 2Q26 3Q26 20 YIELDS AND COSTS Yield on Loans Held for Investment (%) Cost of Funds (%) •
Slide 21: Net Interest Income and NIM Trends
ORIGIN BANCORP, INC. _______ 83,704 86,694 87,244 92,200 95,140 66,021 68,493 70,593 73,959 76,8887,393 7,723 6,389 7,685 7,77610,290 10,478 10,262 10,556 10,476 3.65 3.73 3.71 3.92 3.94 Net Interest Income excl. Mtg Warehouse LOC & Invest. Secur. NII ($) Mtg. Warehouse LOC Interest Income ($) Inves
Slide 22: Net Revenue Distribution
ORIGIN BANCORP, INC. _______ 100,783 103,730 103,601 107,592 112,962 Net Interest Income Noninterest Income 3Q25 4Q25 1Q26 2Q26 3Q26 13,825 13,102 16,843 14,538 15,298 6,598 5,931 9,597 6,883 7,335 4,965 5,043 4,951 5,334 5,324 2,262 2,128 2,295 2,321 2,639 Insurance Commission & Fee Income Service
Slide 23: Noninterest Expense Analysis
ORIGIN BANCORP, INC. _______ 23 Efficiency Ratio (%) NONINTEREST EXPENSE ANALYSIS Major Components of Noninterest Expense ($) 68.86 83.85 65.99 74.23 56.48 61.32 59.87 59.87 Consolidated Efficiency Ratio 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Operating Leverage (%) 2.61 2.57 2.56 2.53 2.54 2.56 2.5
Slide 24: Liquidity
ORIGIN BANCORP, INC. _______ 84.8 86.0 83.8 86.0 88.3 LHFI excl. Mortgage Warehouse LOC to Total Deposits LHFI to Total Deposits 3Q25 4Q25 1Q26 2Q26 3Q26 1,265 814 1,094 1,247 1,043 627 424 666 547 347 638 390 428 700 696 Cash and Cash Equivalents Liquid Securities 3Q25 4Q25 1Q26 2Q26 3Q26 Cash and
Slide 25: Capital
ORIGIN BANCORP, INC. _______ 25 CAPITAL Common Equity Tier 1 Capital to Risk-Weighted Assets(18) (%) ICap ICap Total Capital to Risk-Weighted Assets(18) (%) Tier 1 Capital to Risk-Weighted Assets(18) (%) Tier 1 Capital to Average Assets (Leverage Ratio)(18) (%) Please see slide 31 for all footnote r
Slide 26: Notable Items
ORIGIN BANCORP, INC. _______ QTD YTD 3Q26 2Q26 3Q26 $ Impact EPS Impact (20) $ Impact EPS Impact (20) $ Impact EPS Impact (20) Notable interest income items: Interest income on relationships impacted by questioned banker activity $ 131 $ — $ — $ — $ 131 $ — Notable provision expense items: Provision
Slide 27: Reconciliation of Non-GAAP Financial Measures
ORIGIN BANCORP, INC. _______ 3Q26 2Q26 Calculation of PTPP earnings: Net income $ 37,778 $ 33,846 Provision for credit losses 2,606 65 Income tax expense 10,347 9,270 PTPP earnings (non-GAAP) $ 50,731 $ 43,181 Calculation of PTPP ROAA: PTPP earnings $ 50,731 $ 43,181 Divided by number of days in the
Slide 28: Reconciliation of Non-GAAP Financial Measures
ORIGIN BANCORP, INC. _______ 3Q26 2Q26 Calculation of ROATCE: Net income $ 37,778 $ 33,846 Divided by number of days in the quarter 92 91 Multiplied by the number of days in the year 365 365 Annualized net income $ 149,880 $ 135,756 Total average shareholders' equity $ 1,287,795 $ 1,275,384 Average
Slide 29: Tangible Book Value per Common Share
ORIGIN BANCORP, INC. _______ Calculation of tangible book value per common share: 3Q26 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 4Q24 Total common shareholders' equity $ 1,263,687 $ 1,281,057 $ 1,260,275 $ 1,246,685 $ 1,214,756 $ 1,205,769 $ 1,180,177 $ 1,145,245 Goodwill (128,679) (128,679) (128,679) (128,679)
Slide 30: Abbreviations and Definitions
ORIGIN BANCORP, INC. _______ AFS - Available for sale MSA - Metropolitan Statistical Area ALCL - Allowance for loan credit losses NII - Net interest income CAGR - Compound annual growth rate NIM - Net interest margin C&D - Construction/land/land development loans NIM - FTE - Net interest margin, ful
Slide 31: Presentation Notes
ORIGIN BANCORP, INC. _______ 31 PRESENTATION NOTES (1) Excludes Treasury/wholesale deposits of $3.4 million at September 30, 2026. (2) Excludes mortgage warehouse lines of credit. (3) Excludes notable items. (4) Data obtained from Office of the Texas Governor (gov.texas.gov), Bureau of Labor Statist