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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Louisiana, the state note

Origin Bank

Choudrant, Louisiana · $10.18B in assets · beside the 11 other the South Central states banks over $10B (the state alone holds too few in the band to rank)

The filing

57.1%
Efficiency
10th of 12
0.97%
NPA / loans
9th of 12
34.4%
CRE / loans
4th of 12

Origin Bank is the smallest of the 12 the South Central states banks nearest its size over $10B, with $10.18B in assets at 30 June 2026. Loans are 92.6% of deposits, 8th of 12 against a median of 90.8%, and equity is 11.7% of assets, 8th of 12. Loans grew +5.0% in the year, 7th of 12, and deposits grew 6.4%; the cohort's median loan growth is +5.3%.

Noncurrent loans are 0.97% of the book, 9th of 12 against a median of 0.92%; 0.06% is 30 to 89 days past due, and the allowance covers them 1.3 times. Commercial real estate is 34.4% of loans, 4th of 12 against a median of 36.9%, and 227% of capital, below the 300% screen, with construction at 51% against the 100% screen.

Return on assets is 1.22%, 9th of 12 against a median of 1.39%, on an efficiency ratio of 57.1%, 10th of 12. Five years ago it was 1.46%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioSouth Central states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 55.5% SB Servisfirst Bank 29.6% BO Bank Ozk 39.5% CB Centennial Bank 42.2% SY Stock Yards Bank & Trust Co. 52.6% F Firstbank 52.8% HW Hancock Whitney Bank 55.3% RB Renasant Bank 55.7% FH First Horizon Bank 56.0% SB Simmons Bank 56.8% OB Origin Bank 57.1% TB Trustmark Bank 63.0% AB Arvest Bank 81.6%
Loans, year over yearSouth Central states banks over $10B · 30 June 2026 · no better direction, largest first
median +5.3% F Firstbank +30.4% SY Stock Yards Bank & Trust Co. +15.1% CB Centennial Bank +12.9% SB Servisfirst Bank +9.3% AB Arvest Bank +7.0% SB Simmons Bank +5.6% OB Origin Bank +5.0% HW Hancock Whitney Bank +4.9% TB Trustmark Bank +3.9% FH First Horizon Bank +3.4% RB Renasant Bank +2.7% BO Bank Ozk -1.3%

SBA 7(a), FY2008 to FY2026

Origin Bank is the 319th largest 7(a) lender into Texas of 706, with $6M across 15 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 10 of its 11 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Rankin, MS$3M20th of 651.3%quiet FY2011
Harrison, TX$2M7th of 365.0%quiet FY2020
Smith, TX$2M41st of 1010.7%quiet FY2021
Ouachita, LA$1M22nd of 471.1%quiet FY2013
Parker, TX$860K57th of 920.3%quiet FY2021
Caddo, LA$628K47th of 730.4%quiet FY2013
Wood, TX$595K10th of 212.3%quiet FY2012
Madison, MS$500K40th of 650.3%quiet FY2013
Harris, TX$415K267th of 3140.0%quiet FY2014
Lincoln, LA$143K20th of 220.3%quiet FY2011
West Carroll, LA$30K2nd of 211.3%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing4$3M26.7%0.01%900th of 2,246
Finance & insurance1$2M21.2%0.03%253rd of 1,111
Other services4$1M13.0%0.00%997th of 2,248
Construction3$1M10.4%0.00%1139th of 2,063
Accommodation & food services6$1M9.7%0.00%1547th of 2,596
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Origin Bank
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans OB Origin Bank 0.0% $6M · 15 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Origin BankRankCohort median
Total CRE against capital, the 300% screen227%4th of 12252%
Construction against capital, the 100% screen51%3rd of 1267%
Construction and land development, share of loans7.7%3rd of 129.8%
Non-owner-occupied nonfarm nonresidential, share of loans19.6%6th of 1221.4%
Total CRE, the guidance definition, share of loans34.4%4th of 1236.9%
CRE growth over 36 months, the third prong+0.1%2nd of 12+14.8%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Horizon Bank$84.12B1.4%56.0%0.83%0.19%1.1%95.7%11.2%
Bank Ozk$41.70B1.6%39.5%0.92%0.62%1.4%95.8%15.1%
Hancock Whitney Bank$36.33B1.0%55.3%0.57%0.17%1.3%82.4%12.0%
Arvest Bank$28.05B0.5%81.6%0.86%0.37%1.1%83.2%8.4%
Renasant Bank$26.99B1.4%55.7%0.96%0.05%1.5%87.7%15.4%
Simmons Bank$24.73B1.2%56.8%0.92%0.20%1.3%90.7%13.1%
Centennial Bank$24.55B2.0%42.2%0.55%0.07%1.9%87.1%17.2%
Trustmark Bank$19.19B1.3%63.0%1.14%0.12%1.0%87.6%11.6%
Servisfirst Bank$18.34B1.9%29.6%1.18%0.17%1.3%99.5%10.9%
Firstbank$16.76B1.5%52.8%1.40%0.08%1.5%90.9%11.7%
Stock Yards Bank & Trust Co.$10.36B1.6%52.6%0.31%0.00%1.4%93.0%12.0%
Origin Bank$10.18B1.2%57.1%0.97%0.08%1.2%92.6%11.7%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Origin BankCohort median
20212026Change20212026Change
Loans$5.52B$8.07B+46%$10.62B$17.56B+65%
Deposits$6.08B$8.72B+44%$14.43B$19.75B+37%
NPA / loans1.55%0.97%-0.58 pts0.61%0.92%+0.31 pts
Efficiency53.6%57.1%+3.5 pts62.9%55.5%-7.4 pts
ROA1.46%1.22%-0.24 pts1.40%1.39%-0.01 pts

This read was prepared for Origin Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Origin Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort South Central states banks over $10B
Institution www.origin.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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