Origin Bancorp (OBK) Q1 2025 Earnings Transcript

Motley Fool Transcribing, The Motley Fool

Wed, April 22, 2026 astatine 12:02 PM CDT 31 min read

Image source: The Motley Fool.

Thursday, April 24, 2025 astatine 9 a.m. ET

• Chairman, President, and Chief Executive Officer — Drake Mills

• Chief Operating Officer — Lance Hall

• Chief Credit and Risk Officer — Jim Crotwell

• Chief Financial Officer — Wally Wallace

• Director of Investor Relations — Chris Reigelman

Need a punctuation from a Motley Fool analyst? Email [email protected]

Drake Mills: Thanks, Chris, and acknowledgment for being with america this morning. I americium arrogant of the employees of Origin, their committedness to the strategical way we are presently on. We each cognize determination are macroeconomic factors impacting the markets, but we person proven done erstwhile cycles that our absorption remains connected serving our customers, our communities, our shareholders, careless of wherever we are successful the cycle. During past quarter's net call, we introduced Optimize Origin, our program to present sustainable elite-level fiscal performance. I americium pleased with the overwhelming absorption and committedness our employees person connected accomplishing this extremity and the advancement we've made since launch.

As we proceed to communicate, we expect the strategical actions that we person taken and volition proceed to instrumentality volition thrust america to an ROA tally complaint of 1% oregon greater by the 4th fourth this year. Our eventual people is for our ROA to beryllium successful the apical quartile of our peers. In the archetypal quarter, we identified the adjacent steps successful reaching our tally complaint extremity done the restructuring of our owe business. This has been an country of absorption for america done Optimize Origin and we judge done a concern model, we volition make efficiencies that volition pb to an yearly pre-tax net betterment of astir $1.5 cardinal opening successful the 2nd fractional of the year.

I'm pleased with our results for the quarter, successful particular, our nett involvement borderline expansion. Our bankers are doing a large occupation of managing costs and it shows successful our results. Net involvement income continues to amended quarter-over-quarter and our annualized ROA was 93 ground points. Our absorption squad is focused connected delivering results and I'm arrogant of however we started the year. Now I'll crook it implicit to Lance and the team.

Lance Hall: Thanks, Drake, and bully morning. As Drake mentioned, we stay laser-focused connected Optimize Origin and committed to delivering elite-level fiscal performance. Last quarter, we talked astir Origin's caller interior show statement, which decently aligns Origin's heavy committedness to civilization with the thrust to beryllium a apical fiscal performer. I'm highly encouraged with the passionateness and level of committedness our employees are showing for Optimize Origin passim our markets. This passionateness and committedness were particularly connected show during the period of March arsenic we acceptable clip speech to admit our organizational committedness to civilization done our yearly Culture Celebration.