For the year ending 2025-12-31, OBK had -$46,032K decrease in cash & cash equivalents over the period. $151,052K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 75,197 |
| Provision for credit losses | 46,284 |
| Depreciation and amortization | 16,808 |
| Net amortization on securities | -1,135 |
| Amortization (accretion) of net premium/discount on purchased loans | -91 |
| Amortization of investments in tax credit funds | 1,165 |
| Loss on sale of securities, net | -14,448 |
| Equity method investment loss (gain) | -1,192 |
| Deferred income tax (benefit) expense | -4,520 |
| Stock-based compensation expense | 8,263 |
| Originations of mortgage loans held for sale | 149,037 |
| Proceeds from mortgage loans held for sale | 158,172 |
| Gain on mortgage loans held for sale (including origination of msr for the year ended december 31, 2023) | 3,892 |
| Msr asset valuation adjustment | 0 |
| Gain on sale of msr asset | 0 |
| Net (gain) loss on disposals of premises and equipment | 85 |
| Increase in the cash surrender value of life insurance | 1,136 |
| Employee retention credit received | -1,863 |
| Gain on equity securities without a readily determinable fair value | 6,972 |
| Net loss (gain) on sales and write-downs of other real estate owned | -796 |
| Net change in operating leases | 876 |
| Increase in other assets | 6,827 |
| Increase in other liabilities | 5,097 |
| Net cash provided by operating activities | 158,918 |
| Purchases of securities available for sale | 834,936 |
| Maturities and pay downs of securities available for sale | 621,854 |
| Proceeds from sales and calls of securities available for sale | 248,621 |
| Maturities, pay downs and calls of securities held to maturity | 534 |
| Pay downs of securities carried at fair value | 315 |
| Redemption of non-marketable equity securities held in other financial institutions | 11,800 |
| Purchase of non-marketable equity securities held in other financial institutions | 12,415 |
| Net (purchases) redemptions of non-marketable equity securities held in other financial institutions | -615 |
| Originations of mortgage warehouse loans | 10,246,114 |
| Proceeds from pay-offs of mortgage warehouse loans | 10,066,413 |
| Net decrease (increase) in loans, excluding mortgage warehouse and loans held for sale | -41,892 |
| Purchase of other intangibles | 2,500 |
| Proceeds from sale of the msr asset | 0 |
| Proceeds from bank-owned life insurance | -250 |
| Return of capital and other distributions from equity method investments | 595 |
| Return of capital and other distributions from cost method investments | 57 |
| Capital calls on limited partnership investments | 4,424 |
| Purchase of low-income housing tax credit investments | 927 |
| Purchases of premises and equipment | 7,866 |
| Proceeds from sales of premises and equipment | 125 |
| Proceeds from sales of other real estate owned | 3,041 |
| Purchase of equity method investment | 0 |
| Proceeds from termination of cash flow hedge | 0 |
| Net cash (used in) provided by investing activities | -113,685 |
| Net increase (decrease) in deposits | 84,127 |
| Repayments of long-term fhlb advances | 285 |
| Proceeds from short-term fhlb advances | 1,440,000 |
| Repayments of short-term fhlb advances | 1,440,000 |
| Maturities of subordinated indebtedness | 0 |
| Redemption/repurchase of subordinated indebtedness | 148,258 |
| Repayments of other short-term borrowings | 116,724 |
| Proceeds from other short-term borrowings | 116,724 |
| Net increase (decrease) in securities sold under agreements to repurchase | 6,875 |
| Dividends paid | 18,872 |
| Cash received from exercise of stock options | 954 |
| Common stock repurchased | 15,806 |
| Net cash used in financing activities | -91,265 |
| Net (decrease) increase in cash and cash equivalents | -46,032 |
| Cash and cash equivalents at beginning of year | 470,249 |
| Cash and cash equivalents at end of year | 424,217 |
Origin Bancorp, Inc. (OBK)
Origin Bancorp, Inc. (OBK)