For the quarter ending 2026-03-31, OBK had $241,986K increase in cash & cash equivalents over the period. $47,915K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 27,693 | 29,516 | 8,623 | 37,058 |
| Provision for credit losses | 4,965 | 3,158 | 36,820 | 6,306 |
| Depreciation and amortization | 3,784 | 3,710 | 3,825 | 9,273 |
| Net amortization on securities | 29 | 297 | -10 | -1,422 |
| Amortization of net premium/discount on purchased loans | -29 | -27 | -24 | -40 |
| Amortization of investments in tax credit funds | 252 | 295 | 375 | 495 |
| Loss on sale of securities, net | - | 0 | 0 | -14,448 |
| Gain on equity securities without a readily determinable fair value | - | 0 | 6,972 | 0 |
| Equity method investment loss | -1,517 | 1,859 | -3,051 | - |
| Deferred income tax expense | 1,137 | -793 | -3,136 | -591 |
| Stock-based compensation expense | 2,404 | 2,113 | 2,268 | 3,882 |
| Originations of mortgage loans held for sale | 26,925 | 32,265 | 27,520 | 89,252 |
| Proceeds from mortgage loans held for sale | 24,901 | 28,424 | 40,168 | 89,580 |
| Gain on mortgage loans held for sale | 508 | 619 | 810 | 2,463 |
| Msr asset valuation adjustment | - | 0 | 0 | 0 |
| Gain on sale of msr asset | - | 0 | 0 | 0 |
| Net gain on disposals of premises and equipment | 0 | 15 | -5 | 75 |
| Loss (gain) on limited partnership investments | - | - | - | -3,561 |
| Increase in the cash surrender value of life insurance | 242 | 248 | 255 | 633 |
| Employee retention credit received | 0 | 0 | 0 | -1,863 |
| Net loss on sales and write-downs of other real estate owned | -25 | -59 | -85 | -652 |
| Net change in operating leases | -17 | 417 | -48 | 507 |
| Decrease in other assets | -2,939 | -12,430 | 1,499 | 17,758 |
| Maturities, pay downs and calls of securities held to maturity | - | -1 | 535 | - |
| Increase (decrease) in other liabilities | 10,956 | -627 | 7,845 | -2,121 |
| Pay downs of securities carried at fair value | - | 0 | 0 | 315 |
| Net cash provided by operating activities | 52,881 | 43,426 | 59,298 | 56,194 |
| Redemption of non-marketable equity securities held in other financial institutions | - | 2,142 | 4,172 | 5,486 |
| Purchases of securities available for sale | 1,588,125 | 523,043 | 7,105 | 304,788 |
| Proceeds from sale of the msr asset | - | 0 | 0 | 0 |
| Maturities and pay downs of securities available for sale | 1,532,908 | 503,150 | 26,933 | 91,771 |
| Proceeds from sales and calls of securities available for sale | 12,651 | 16,395 | 17,247 | 214,979 |
| Purchase of non-marketable equity securities held in other financial institutions | 61 | 2,061 | 1,479 | 8,875 |
| Net (purchases) redemptions of non-marketable equity securities held in other financial institutions | - | -615 | - | - |
| Originations of mortgage warehouse loans | 2,435,323 | 2,794,460 | 2,587,640 | 4,864,014 |
| Proceeds from pay-offs of mortgage warehouse loans | 2,441,814 | 2,738,646 | 2,689,421 | 4,638,346 |
| Net (increase) decrease in loans, excluding mortgage warehouse and loans held for sale | 203,046 | 81,377 | -14,367 | -108,902 |
| Purchase of other intangibles | 0 | 0 | 0 | 2,500 |
| Proceeds from bank-owned life insurance | 0 | 0 | -42 | -208 |
| Return of capital and other distributions from equity method investments | 0 | 0 | -97 | 692 |
| Return of capital and other distributions from cost method investments | 8 | 9 | 48 | - |
| Transfers of other real estate owned to other assets | - | - | - | -168 |
| Capital calls on limited partnership investments | 203 | 1,174 | 926 | 2,324 |
| Purchase of low-income housing tax credit investments | - | 551 | 242 | 134 |
| Purchases of premises and equipment | 4,966 | 3,560 | 2,528 | 1,778 |
| Proceeds from sales of premises and equipment | 0 | 14 | 0 | 111 |
| Proceeds from sales of other real estate owned | 107 | -1 | 1,318 | 1,724 |
| Purchase of equity method investment | - | 0 | - | - |
| Proceeds from termination of cash flow hedge | - | 0 | - | - |
| Net cash used in investing activities | -244,236 | -145,872 | 153,898 | -121,711 |
| Net increase in deposits | 449,021 | -24,583 | 208,794 | -100,084 |
| Proceeds from short-term fhlb advances | - | 75,000 | 50,000 | 1,315,000 |
| Repayments of short-term fhlb advances | - | 75,000 | 165,000 | 1,200,000 |
| Maturities of subordinated indebtedness | - | 0 | - | - |
| Repayments of long-term fhlb advances | 73 | 72 | 72 | 141 |
| Redemption/repurchase of subordinated indebtedness | 0 | 75,665 | 0 | 72,593 |
| Proceeds from other short-term borrowings | 82,285 | 0 | 0 | 116,724 |
| Repayments of other short-term borrowings | 82,285 | 0 | 0 | 116,724 |
| Net (decrease) increase in securities sold under agreements to repurchase | -6,368 | 6,332 | 19 | 524 |
| Dividends paid | 4,697 | 4,697 | 4,696 | 9,479 |
| Cash received from exercise of stock options | 2,290 | 353 | 67 | 534 |
| Common stock repurchased | 6,832 | 1,914 | 9,510 | 4,382 |
| Net cash provided by financing activities | 433,341 | -100,246 | 79,602 | -70,621 |
| Net increase in cash and cash equivalents | 241,986 | -202,692 | 292,798 | -136,138 |
| Cash and cash equivalents at beginning of period | 424,217 | 626,909 | 470,249 | - |
| Cash and cash equivalents at end of period | 666,203 | 424,217 | 626,909 | - |
Origin Bancorp, Inc. (OBK)
Origin Bancorp, Inc. (OBK)