Filing Flows › Origin Bancorp (OBK) › Guidance & outlook
Origin Bancorp (OBK) guidance and outlook
Origin Bancorp's 10-Q filed Nov 6, 2026 makes 11 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 6, 2026
- • We continue to work towards our ultimate top quartile ROAA target.
- Factors impacting the provision include inherent risk characteristics in our loan and security portfolios, the level of nonperforming loans and net charge-offs, both current and historic, local economic and credit conditions, the direction of the change in collateral values, reasonable and supportable forecasts, and the funding probability on unfunded lending commitments.
- We review the ratings on loans and adjust them to reflect the degree of risk and loss that is felt to be inherent or expected in each loan.
- In determining the provision for loan credit losses, management monitors fluctuations in the allowance resulting from actual charge-offs and recoveries and periodically reviews the size and composition of the loan portfolio in light of current and forecasted economic conditions.
- As a general rule, when it becomes evident that the full principal and accrued interest of a loan may not be collected, or at 90 days past due, we will reflect that loan as nonperforming.
- It will remain nonperforming until it performs in a manner that it is reasonable to expect that we will collect principal and accrued interest in full.
- We give consideration to trends, changes in loan mix, delinquencies, prior losses, reasonable and supportable forecasts and other related information.
- We manage our interest expense on deposits through specific deposit product pricing that is based on competitive pricing, economic conditions and current and anticipated funding needs.
- We may use interest rates as a mechanism to attract or deter additional deposits based on our anticipated funding needs and liquidity position.
- Management continually monitors, forecasts and tests our liquidity and non-core dependency ratios to ensure compliance with targets established by our Asset Liability Committee and approved by our board of directors.
- However, we expect to monitor and control growth in order to remain “well capitalized” under applicable regulatory guidelines and in compliance with all applicable regulatory capital standards.
Origin Bancorp's latest quarter
Origin Bancorp, Q3 2026: revenue $113M (+3% year over year), operating margin 42.5%, net earnings $37.8M, operating cash flow $33.4M. The chart follows the revenue to costs, profit and cash.
Questions
What does Origin Bancorp expect?
• We continue to work towards our ultimate top quartile ROAA target. Factors impacting the provision include inherent risk characteristics in our loan and security portfolios, the level of nonperforming loans and net charge-offs, both current and historic, local economic and credit conditions, the direction of the change in collateral values, reasonable and supportable forecasts, and the funding probability on unfunded lending commitments. We review the ratings on loans and adjust them to reflect the degree of risk and loss that is felt to be inherent or expected in each loan.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.