The bank maintains a disciplined capital structure with a consistent equity-to-assets ratio of 0.12 as of 2026Q1, though this is balanced against a significant concentration of $8.6 billion in investment securities and loans within the Texas Triangle.
| Cash & Short Term Investments | 2.72B | 104.19M | 1.57B | 1.53B | 2B | 2.21B | 1.38B | 792.59M | 692.32M | 591.72M | 635.4M |
| Cash & Due from Banks | 90.64M | 73.12M | 470.25M | 280.44M | 358.97M | 705.62M | 377.21M | 291.52M | 116.68M | 187.19M | 259.88M |
| Short Term Investments | 31.19M | 31.07M | 1.1B | 1.25B | 1.64B | 1.5B | 1B | 501.07M | 575.64M | 404.53M | 375.52M |
| Total Investments | 31.19M | 31.07M | 8.61B | 8.85B | 8.71B | 6.78B | 6.88B | 4.71B | 4.41B | 3.71B | 3.54B |
| Investments Growth % | -207.33% | -99.64% | -2.71% | 1.62% | 28.45% | -1.48% | 46.1% | 6.76% | 19.08% | 4.66% | - |
| Long-Term Investments | 15.84B | 0 | 7.51B | 7.6B | 7.07B | 5.28B | 5.88B | 4.21B | 3.84B | 3.3B | 3.17B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 209.2M | 141.76M | 141.04M | 110.93M | 83.77M | 83.88M | 67.81M |
| Goodwill & Intangibles | 160.56M | 162.04M | 166.15M | 189.77M | 199.33M | 67.55M | 44.14M | 52.24M | 57.98M | 48.52M | 54.24M |
| Goodwill | 128.68M | 128.68M | 128.68M | 128.68M | 128.68M | 34.37M | 26.74M | 26.74M | 26.74M | 22.19M | 22.19M |
| Intangible Assets | 31.88M | 33.36M | 37.47M | 61.09M | 70.65M | 33.18M | 17.4M | 25.5M | 31.23M | 26.33M | 32.05M |
| PP&E (Net) | 126.92M | 124.25M | 126.62M | 118.98M | 100.2M | 80.69M | 81.76M | 80.46M | 75.01M | 77.41M | 86.74M |
| Other Assets | 0 | 0 | 302.4M | 280.42M | 106.42M | 83.54M | 100.14M | 77.77M | 74.86M | 41.93M | 48.17M |
| Total Current Assets | 121.83M | 104.19M | 1.57B | 1.53B | 2.21B | 2.35B | 1.52B | 903.52M | 776.09M | 675.6M | 703.21M |
| Total Non-Current Assets | 287.47M | 286.29M | 8.11B | 8.19B | 7.48B | 5.51B | 6.11B | 4.42B | 4.05B | 3.48B | 3.37B |
| Total Assets | 10.19B | 9.72B | 9.68B | 9.72B | 9.69B | 7.86B | 7.63B | 5.32B | 4.82B | 4.15B | 4.07B |
| Asset Growth % | 0.51% | 0.48% | -0.45% | 0.38% | 23.21% | 3.05% | 43.26% | 10.43% | 16.07% | 2.03% | - |
| Return on Assets (ROA) | 0.82% | 0.78% | 0.79% | 0.86% | 1% | 1.4% | 0.56% | 1.06% | 1.15% | 0.36% | 0.32% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 29.18M | 35.59M | 172.4M | 277.88M | 841M | 467.22M | 1.14B | 426.86M | 454.87M | 153.98M | 119.94M |
| Net Debt | -61.46M | -37.53M | -297.85M | -2.56M | 482.02M | -238.4M | 764.58M | 135.34M | 338.19M | -33.21M | -139.94M |
| Long-Term Debt | 29.18M | 35.59M | 166.14M | 200.75M | 208.5M | 414.42M | 427.9M | 282.28M | 454.87M | 153.98M | 119.94M |
| Short-Term Debt | 0 | 0 | 6.26M | 77.12M | 632.49M | 52.8M | 713.89M | 144.58M | 0 | 0 | 0 |
| Other Liabilities | 8.93B | 6.46B | 137.93M | 130.68M | 0 | 0 | 0 | 0 | 0 | 34.99M | 28.56M |
| Total Current Liabilities | 0 | 1.98B | 8.23B | 8.33B | 8.53B | 6.72B | 6.55B | 4.44B | 3.82B | 3.54B | 3.5B |
| Total Non-Current Liabilities | 8.93B | 6.5B | 304.07M | 331.43M | 208.5M | 414.42M | 427.9M | 282.28M | 454.87M | 188.97M | 148.5M |
| Total Liabilities | 8.93B | 8.48B | 8.53B | 8.66B | 8.74B | 7.13B | 6.98B | 4.73B | 4.27B | 3.73B | 3.65B |
| Total Equity | 1.26B | 1.25B | 1.15B | 1.06B | 949.94M | 730.21M | 647.15M | 599.26M | 549.78M | 420.35M | 420.09M |
| Equity Growth % | 31.7% | 8.86% | 7.75% | 11.89% | 30.09% | 12.83% | 7.99% | 9% | 30.79% | 0.06% | - |
| Equity / Assets (Capital Ratio) | 12.37% | 12.82% | 11.83% | 10.93% | 9.81% | 9.29% | 8.48% | 11.25% | 11.4% | 10.12% | 10.32% |
| Return on Equity (ROE) | 6.53% | 6.29% | 6.93% | 8.33% | 10.44% | 15.76% | 5.83% | 9.38% | 10.64% | 3.49% | 3.06% |
| Book Value per Share | 40.39 | 40.13 | 36.70 | 34.36 | 35.50 | 30.93 | 27.52 | 25.31 | 24.77 | 19.09 | 19.07 |
| Tangible BV per Share | 35.24 | 34.91 | 31.38 | 28.23 | 28.05 | 28.07 | 25.65 | 23.11 | 22.16 | 16.88 | 16.61 |
| Common Stock | 154.4M | 154.76M | 155.99M | 154.93M | 153.73M | 118.73M | 117.53M | 117.41M | 118.63M | 97.59M | 97.42M |
| Additional Paid-in Capital | 532.77M | 533.54M | 537.37M | 528.58M | 520.67M | 242.11M | 237.34M | 235.62M | 242.04M | 146.06M | 145.07M |
| Retained Earnings | 633.95M | 612.52M | 557.92M | 500.42M | 435.42M | 363.63M | 266.63M | 239.9M | 191.59M | 145.12M | 137.45M |
| Accumulated OCI | -60.84M | -54.14M | -106.03M | -121.02M | -159.88M | 5.73M | 25.65M | 6.33M | -2.48M | 1.31M | 3.46M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 65.26M | 65.26M |
Texas CRE concentration risk
According to recent financial statements, Origin Bancorp grew total assets to $10.2 billion in 2026Q1, reflecting a consistent upward trajectory that suggests management is successfully scaling its footprint in the Texas Triangle while maintaining a stable, albeit modest, capital base of $1.3 billion.
The steady growth in total assets indicates that the bank is effectively recycling liquidity from its legacy Louisiana markets into higher-growth Texas commercial lending opportunities. Investors should monitor whether this asset expansion continues to outpace the bank's ability to maintain its net interest margin, as rapid growth in competitive markets often necessitates higher funding costs.
As reported in the latest quarterly filings, the bank maintained an equity-to-assets ratio of 0.12 in 2026Q1, a figure that has remained remarkably consistent over the past ten quarters, suggesting a disciplined approach to capital management despite the bank's aggressive pursuit of regional market share.
This stable capital ratio implies that Origin Bancorp is not over-leveraging its balance sheet to fuel growth, which provides a necessary buffer against potential credit volatility in its commercial real estate portfolio. The consistency of this metric suggests that management prioritizes long-term solvency over short-term capital optimization, which may be viewed as a defensive strength.
Based on the reported figures, cash and bank balances fluctuated significantly from $90.6 million in 2026Q1 to a peak of $626.9 million in 2025Q3, indicating that the bank actively manages its liquid position to navigate interest rate volatility and support its mortgage warehouse lending operations.
The wide variance in cash levels suggests that the bank's liquidity profile is highly sensitive to the transactional nature of its mortgage warehouse business and broader market conditions. This volatility warrants further investigation into whether the bank's contingent funding sources are sufficient to handle sudden liquidity demands without forcing the sale of securities at unfavorable prices.
Data from the balance sheet indicates that the bank's heavy reliance on the Texas commercial real estate market, as evidenced by the $8.6 billion in investment securities and loans, creates a concentrated risk profile that could be exacerbated by regional economic downturns in the Texas Triangle.
While the bank's diversification into insurance brokerage provides a capital-light fee stream, the core balance sheet remains heavily exposed to the cyclicality of commercial real estate. Investors should consider that any localized weakness in Texas property values may disproportionately impact the bank's asset quality, potentially necessitating higher future provisions than the current trend suggests.
Quick answers to the most common questions about buying OBK stock.
As of 2025, Origin Bancorp, Inc. (OBK) had total assets of $9.72B including $104.2M in current assets.
Origin Bancorp, Inc. (OBK) carries total debt of $35.6M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Origin Bancorp, Inc. (OBK) has total shareholders' equity (book value) of $1.25B ($40.13 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Origin Bancorp, Inc. (OBK) reported a current ratio of 0.05x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.