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Origin Bank
Choudrant, LA·FDIC Cert #12614·Charter: STATE·Est. 19121123.0·HC: ORIGIN BCORP INC
Total Assets
$9.6B
Q4 2025
Return on Assets
0.76%
+0.17%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.18%
Peer avg: 56.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
53
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.76%+0.17
ROE
6.52%+1.45
Efficiency
57.18%-0.51
Equity/Assets
0.00%+0.00
NPL Ratio
1.07%-0.11
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
90.74%+2.43
Charge-offs
0.52%-0.12
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.9 | 0.8 | 0.8 | 0.8 | 1.0 | 0.8 | 0.6 | 0.8 |
| ROE | 8.5 | 7.4 | 7.7 | 7.3 | 8.5 | 7.0 | 5.1 | 6.5 |
| Efficiency | 60.4 | 63.6 | 62.2 | 62.6 | 60.2 | 59.0 | 57.7 | 57.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 1.0 | 0.8 | 1.0 | 1.1 | 1.1 | 1.2 | 1.1 |
| Charge-offs | 0.1 | 0.1 | 0.3 | 0.2 | 0.1 | 0.1 | 0.6 | 0.5 |
| Loan/Deposit | 91.2 | 92.0 | 92.0 | 90.5 | 89.3 | 92.7 | 88.3 | 90.7 |
Balance Sheet
Total Assets$9.6B
Total Deposits$8.3B
Total Loans$7.6B
Total Equity$1.1B
Profitability
ROA0.76%
ROE6.52%
Efficiency Ratio57.18%
Net Income$73.3M
Risk & Asset Quality
NPL Ratio1.07%
Charge-off Rate0.52%
Loan/Deposit90.74%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans