Origin Bancorp is a regional community bank holding company headquartered in Ruston, Louisiana, operating through Origin Bank. Founded in 1912, Origin Bank serves small and mid-sized businesses, municipalities, and individual consumers across more than 56 locations in Dallas/Fort Worth, Houston, East Texas, North Louisiana, Mississippi, South Alabama, and the Florida Panhandle. Origin's core business is traditional relationship banking — taking in deposits and deploying that funding into loans, primarily C&I, commercial real estate, and residential mortgages. Origin emphasizes local decision-making and experienced relationship managers as its primary sales channel, positioning itself as offering the products of a larger bank with the agility of a community bank. Beyond net interest income, Origin generates fee revenue through Forth Insurance, a wholly-owned property & casualty insurance agency, treasury management and swap fees tied to C&I relationships, and a ~20% equity stake in Argent Financial, a regional wealth management firm. Origin's growth strategy is primarily organic, centered on hiring experienced bankers displaced by M&A activity in its Texas markets and expanding geographically, including a recent entry into South Alabama and the Florida Panhandle. Origin also launched "Optimize Origin" in early 2025, targeting efficiency gains through branch consolidations, headcount reductions, and analytics-driven portfolio optimization. A key near-term dynamic is Origin's approach to the $10B asset threshold, which triggers Durbin Amendment debit interchange restrictions and higher FDIC assessments — a crossing management expects in 2026.