Origin Bancorp, Inc.

Origin Bancorp, Inc. is a bank holding company for Origin Bank, providing a wide range of banking and financial services to small and medium-sized businesses, municipalities, and retail clients across Texas, Louisiana, Alabama, and Mississippi. Its core offerings include various deposit accounts such as noninterest and interest-bearing checking, savings, money market accounts, and time deposits. On the lending side, the company provides commercial real estate loans, construction and land development loans, consumer loans, residential real estate loans, commercial and industrial loans, mortgage warehouse loans, and residential mortgage loans. Additionally, Origin Bancorp offers personal and commercial property and casualty insurance products, as well as digital banking services like internet banking, mobile applications, cash management, business credit cards, overdraft protection, direct deposit, safe deposit boxes, automatic account transfers, peer-to-peer electronic pay solutions, and personal financial management tools.

Origin Bancorp, Inc. is publicly traded on the New York Stock Exchange (NYSE) under the ticker symbol OBK. All trading and financial reporting are conducted in US Dollars (USD), reflecting its primary operations in the United States. The NYSE listing provides liquidity and visibility to investors, and the company's financial statements are denominated in USD, which is the standard for US-based financial institutions.

Origin Bancorp operates in the Financial Services sector, specifically within the Banks - Regional industry. As a regional bank, it focuses on serving local communities and businesses in the southern United States, distinguishing itself from large national banks by offering personalized services and deep knowledge of the regional markets. Its industry classification reflects its core business of taking deposits and making loans, primarily to commercial and retail customers in its geographic footprint.

Origin Bancorp, Inc. is headquartered in Ruston, Louisiana, a city in the northern part of the state. The company serves customers across four states: Texas, Louisiana, Alabama, and Mississippi. This regional focus allows Origin Bank to cater to the specific needs of small and medium-sized businesses, municipalities, and retail clients in these areas. The bank's presence spans both urban and rural communities, leveraging its local expertise to provide tailored financial solutions.

Origin Bancorp generates revenue primarily through net interest income from its lending and deposit activities. It earns interest on loans such as commercial real estate, construction, consumer, residential real estate, commercial and industrial, mortgage warehouse, and residential mortgage loans. Additionally, it earns fee income from deposit account services, including checking and savings accounts, as well as from digital banking services like mobile and online banking, cash management, and business credit cards. The company also generates revenue through its insurance services, offering personal and commercial property and casualty insurance products. Other income sources include mortgage origination and servicing, treasury management, and various transaction-based fees.