Origin Bancorp, Inc. (OBK) FY2025 10-K Annual Report
Origin Bancorp, Inc. (OBK) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 25, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
Origin Bancorp, Inc. FY2025 10-K Analysis
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 revenue or profitability figures disclosed in the provided section
- • No segment performance data available
- • No cash flow, buybacks, dividends, or capex information provided
- • 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
- • No specific geopolitical or financial risks detailed in provided text
Origin Bancorp, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$538M
▼ -4.7% YoY
Net Income
$75M
▼ -1.7% YoY
Net Margin
14.0%
▲ +43bp YoY
ROE
6.0%
▼ -65bp YoY
Total Assets
$9.7B
▲ +0.5% YoY
EPS (Diluted)
$2.40
▼ -2.0% YoY
Operating Cash Flow
$159M
▲ +46.5% YoY
Source: XBRL data from Origin Bancorp, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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