Short answer
Origin Bancorp, Inc. (OBK) filed its fiscal 2025 10-K annual report with the SEC on Feb 25, 2026. It reported revenue of $538M (−4.7% year over year) and net income of $75M.
- Top risk flagged: Regulatory risk: Compliance with FFIEC cybersecurity guidance overseen by Risk Committee and Board quarterly
FY2025 key financial metrics · XBRL
- Revenue
- $538M
- −4.7% YoY
- Net income
- $75M
- −1.7% YoY
- EPS (diluted)
- $2.40
- −2.0% YoY
- ROE
- 6.0%
- −0.6 pp YoY
- Operating cash flow
- $159M
- +46.5% YoY
Source: XBRL data from the Origin Bancorp, Inc. (OBK) FY2025 10-K on SEC EDGAR. USD.
Origin Bancorp, Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model focused on managing liquidity through diversified funding sources including core deposits, investment securities, and FHLB advances
- Emphasis on maintaining financial flexibility by actively using short-term Federal Reserve discount window and federal funds lines of credit
- Strategic focus on leveraging mortgage-backed securities and investment portfolio to meet short-term liquidity needs
- Reliance on long-term FHLB advances to support balance sheet growth and loan portfolio expansion
- Increased use of pledged securities to secure municipal deposits and collateralize borrowings noted in this year's liquidity strategy
Management Discussion & Analysis
- No forward-looking guidance or management outlook included
Risk Factors
- Regulatory risk: Compliance with FFIEC cybersecurity guidance overseen by Risk Committee and Board quarterly
- Operational risk: Dependence on ISO with 5 years in role managing cybersecurity and reporting to Chief Risk Officer
- Competitive risk: Engagement of former Fortune 500 CIO consultant indicates need to address evolving cyber threat landscape
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