Origin Bancorp Earnings Call Transcripts
Fiscal Year 2026
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Strong Q2 results featured record EPS, robust loan growth in Texas and Southeast, and expanding noninterest-bearing deposits. Net interest margin rose to 3.92%, and the company crossed $10B in assets, with continued investment in talent and technology supporting top-quartile performance goals.
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Q1 delivered strong organic loan and deposit growth, especially in Texas and the Southeast, with disciplined pricing and credit quality. Guidance targets high single-digit growth and improved NIM, while capital deployment focuses on dividends and buybacks.
Fiscal Year 2025
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Strong Q4 results with EPS of $0.95 and ROA of 1.19% were driven by robust loan growth, disciplined expense management, and strategic hiring. The outlook for 2026 targets mid to high single-digit loan and deposit growth, continued margin strength, and further investments to capitalize on market disruption.
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Q3 results were impacted by a $28.4M charge-off from Tricolor fraud, but underlying performance improved with higher NIM, ROA, and deposit growth. Loan growth guidance was revised to flat for 2025, but management remains optimistic for 2026, citing strong pipelines and market opportunities.
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Q2 results reflect strong execution of the Optimize Origin plan, with improved profitability, margin expansion, and disciplined capital management. Loan and deposit growth guidance was reduced, but margin and noninterest income guidance increased. Capital levels remain robust, supporting future growth and shareholder returns.
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Q1 saw strong net interest margin expansion, improved net interest income, and stable deposit growth, with a continued focus on cost management and strategic initiatives. Mortgage restructuring will lower future non-interest income, while capital remains robust for growth and buybacks.
Fiscal Year 2024
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Optimization initiatives are set to deliver $21 million in annualized pre-tax benefits, driving a targeted 1% ROA by Q4 2025. Loan growth is expected to accelerate to mid to high single digits, with margin expansion and strong capital supporting both organic and potential M&A growth.
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Core deposit growth and efficiency gains offset margin pressure from higher deposit costs and rate cuts. Credit quality improved, with lower past dues and non-performers, while capital and liquidity remain strong. Strategic focus is on returning to peer-level profitability by next year.
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Q2 2024 results were in line with expectations, with EPS impacted by both a positive investment valuation and a negative event tied to a terminated banker. Loan growth is projected in the low single digits, NIM is expected to expand, and capital levels remain strong.