Origin Bancorp, Inc. (OBK) Q3 2025 Earnings Call

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WEBVTT 00:00:01.820 -- 00:00:06.824 Please ensure your device is not on mute. May I have your first and last name, please? 00:00:07.468 -- 00:00:10.373 Apologies. Due to no response, I'm disconnecting your line. 00:00:10.373 -- 00:00:12.713 Hello? Hello. 00:00:16.201 -- 00:00:21.887 David Anderson. Thank you. David, may I have your company name, please? 00:00:25.155 -- 00:00:27.418 I'm just calling the family office. Thank you very much. 00:00:27.418 -- 00:00:31.100 And lastly, your conference ID number, David. 00:00:34.439 -- 00:00:37.464 Perfect. I'll be placing you into the attendee line and you'll be muted. 00:00:37.464 -- 00:00:39.827 Have a great call 00:00:39.827 -- 00:00:40.348 today. 00:00:40.348 -- 00:00:45.576 To 1.18% at quarter end compared to 1.14% as 00:00:45.576 -- 00:00:47.619 of the prior quarter. 00:00:47.619 -- 00:00:52.787 For the quarter, our allowance for credit losses increased from 1.29% to 1.35% net 00:00:52.787 -- 00:00:55.851 of mortgage warehouse. 00:00:55.851 -- 00:01:00.999 We did not experience any significant changes in our CECL model assumptions for the quarter 00:01:00.999 -- 00:01:06.186 and the increase was primarily driven by increases in the individually evaluated portion 00:01:06.186 -- 00:01:09.870 of the reserve associated with our non-accruals. 00:01:09.870 -- 00:01:12.493 The level of our reserve at 1.35% 00:01:12.493 -- 00:01:19.258 net of mortgage warehouse compares to a level of 1.31% at year-end 2023. 00:01:20.582 -- 00:01:25.988 Lastly, as the total ADC and CRE, we continue to have ample capacity 00:01:25.988 -- 00:01:31.033 to meet the needs of our clients and grow this segment of our portfolio, reflecting funding 00:01:31.033 -- 00:01:36.526 to total risk-based capital a 47% for ADC, and 235% 00:01:36.526 -- 00:01:39...