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[8-K] Origin Bancorp, Inc. Reports Material Event

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ICICI Bank (NYSE: IBN) posted robust Q1-FY26 standalone results. Total income rose 11.9% YoY to ₹51,452 cr, while net profit climbed 15.5% YoY to ₹12,768 cr. Net interest income reached ₹21,635 cr, up 10.6% YoY; non-interest income (ex-treasury) grew 13.7% to ₹7,264 cr. Core operating profit advanced 13.6% YoY to ₹17,505 cr.

Margins & asset quality. NIM stood at 4.34% (Q4-FY25: 4.41%). Gross NPA ratio improved to 1.67% (2.15% a year ago); net NPA ratio fell to 0.41%. Provisioning coverage on NPAs is 75.3%. Provisions rose to ₹1,815 cr versus ₹1,332 cr in Q1-FY25.

Balance-sheet growth. Domestic loans expanded 12.0% YoY to ₹13.31 trn; period-end deposits grew 12.8% YoY to ₹16.09 trn, with average CASA ratio at 38.7%. Capital adequacy remains strong: total CAR 16.97%, CET-1 16.31% (regulatory minima: 11.70% & 8.20%).

Strategic action. Board approved acquisition of the remaining 100% of ICICI Prudential Pension Funds Management for ₹2,035 mn, pending RBI & PFRDA approvals, to enhance “Customer 360” synergies.

Consolidated view. Group PAT rose 15.9% YoY to ₹13,558 cr; assets grew 10.9% YoY to ₹26.69 trn.

ICICI Bank (NYSE: IBN) ha registrato risultati solidi nel primo trimestre dell'anno fiscale 26. Il reddito totale è aumentato dell'11,9% su base annua, raggiungendo ₹51.452 crore, mentre l'utile netto è cresciuto del 15,5% su base annua a ₹12.768 crore. Il reddito da interessi netto ha raggiunto ₹21.635 crore, in aumento del 10,6% su base annua; il reddito non da interessi (esclusa la tesoreria) è cresciuto del 13,7% a ₹7.264 crore. L'utile operativo core è aumentato del 13,6% su base annua a ₹17.505 crore.

Margini e qualità degli asset. Il margine di interesse netto (NIM) si è attestato al 4,34% (Q4-FY25: 4,41%). Il rapporto di NPA lordo è migliorato al 1,67% (2,15% un anno fa); il rapporto di NPA netto è sceso allo 0,41%. La copertura delle riserve sulle NPA è del 75,3%. Le accantonamenti sono aumentati a ₹1.815 crore rispetto a ₹1.332 crore nel Q1-FY25.

Crescita del bilancio. I prestiti domestici sono cresciuti del 12,0% su base annua a ₹13,31 trilioni; i depositi a fine periodo sono aumentati del 12,8% su base annua a ₹16,09 trilioni, con un rapporto CASA medio del 38,7%. La solidità patrimoniale resta elevata: il coefficiente patrimoniale totale (CAR) è del 16,97%, il CET-1 è al 16,31% (minimi regolamentari: 11,70% e 8,20%).

Azione strategica. Il consiglio ha approvato l'acquisizione del restante 100% di ICICI Prudential Pension Funds Management per ₹2.035 milioni, in attesa delle approvazioni di RBI e PFRDA, per potenziare le sinergie “Customer 360”.

Visione consolidata. L'utile netto del gruppo è aumentato del 15,9% su base annua a ₹13.558 crore; gli asset sono cresciuti del 10,9% su base annua a ₹26,69 trilioni.

ICICI Bank (NYSE: IBN) presentó sólidos resultados individuales en el primer trimestre del año fiscal 26. Los ingresos totales aumentaron un 11,9% interanual hasta ₹51,452 millones, mientras que el beneficio neto creció un 15,5% interanual hasta ₹12,768 millones. Los ingresos netos por intereses alcanzaron ₹21,635 millones, un aumento del 10,6% interanual; los ingresos no relacionados con intereses (excluyendo tesorería) crecieron un 13,7% hasta ₹7,264 millones. El beneficio operativo core avanzó un 13,6% interanual hasta ₹17,505 millones.

Márgenes y calidad de activos. El margen de interés neto (NIM) se situó en 4,34% (Q4-FY25: 4,41%). La ratio de NPA bruta mejoró a 1,67% (2,15% hace un año); la ratio de NPA neta bajó a 0,41%. La cobertura de provisiones sobre NPAs es del 75,3%. Las provisiones aumentaron a ₹1,815 millones frente a ₹1,332 millones en el Q1-FY25.

Crecimiento del balance. Los préstamos domésticos crecieron un 12,0% interanual hasta ₹13,31 billones; los depósitos a fin de período aumentaron un 12,8% interanual hasta ₹16,09 billones, con un ratio CASA promedio del 38,7%. La suficiencia de capital sigue siendo sólida: CAR total 16,97%, CET-1 16,31% (mínimos regulatorios: 11,70% y 8,20%).

Acción estratégica. El consejo aprobó la adquisición del 100% restante de ICICI Prudential Pension Funds Management por ₹2,035 millones, pendiente de aprobaciones del RBI y PFRDA, para mejorar las sinergias de “Customer 360”.

Visión consolidada. El beneficio neto del grupo aumentó un 15,9% interanual hasta ₹13,558 millones; los activos crecieron un 10,9% interanual hasta ₹26,69 billones.

ICICI 은행(NYSE: IBN)이 26회계연도 1분기 단독 실적을 견고하게 발표했습니다. 총 수익은 전년 대비 11.9% 증가한 ₹51,452 크로어를 기록했으며, 순이익은 전년 대비 15.5% 증가한 ₹12,768 크로어에 달했습니다. 순이자수익은 ₹21,635 크로어로 전년 대비 10.6% 증가했고, 이자 외 수익(재무 제외)은 13.7% 증가한 ₹7,264 크로어를 기록했습니다. 핵심 영업이익은 전년 대비 13.6% 상승한 ₹17,505 크로어였습니다.

마진 및 자산 건전성. 순이자마진(NIM)은 4.34%였으며(Q4-FY25: 4.41%), 총 부실채권 비율은 1.67%로 개선되었고(1년 전 2.15%), 순부실채권 비율은 0.41%로 하락했습니다. 부실채권 대비 충당금 커버리지는 75.3%입니다. 충당금은 ₹1,815 크로어로 Q1-FY25의 ₹1,332 크로어에서 증가했습니다.

대차대조표 성장. 국내 대출은 전년 대비 12.0% 증가한 ₹13.31조, 기말 예금은 전년 대비 12.8% 증가한 ₹16.09조를 기록했으며, 평균 CASA 비율은 38.7%였습니다. 자본 적정성은 견고하게 유지되고 있으며, 총 자기자본비율(CAR)은 16.97%, CET-1 비율은 16.31%입니다(규제 최소 기준: 11.70% 및 8.20%).

전략적 조치. 이사회는 RBI 및 PFRDA 승인을 조건으로 ₹2,035백만에 ICICI Prudential 연금 펀드 매니지먼트 잔여 100% 지분 인수를 승인했으며, “Customer 360” 시너지 강화를 목표로 하고 있습니다.

연결 실적. 그룹 순이익은 전년 대비 15.9% 증가한 ₹13,558 크로어, 자산은 전년 대비 10.9% 증가한 ₹26.69조를 기록했습니다.

ICICI Bank (NYSE : IBN) a publié de solides résultats individuels pour le premier trimestre de l'exercice 26. Le revenu total a augmenté de 11,9 % en glissement annuel pour atteindre ₹51 452 crores, tandis que le bénéfice net a progressé de 15,5 % en glissement annuel pour atteindre ₹12 768 crores. Le revenu net d'intérêts a atteint ₹21 635 crores, en hausse de 10,6 % en glissement annuel ; les revenus hors intérêts (hors trésorerie) ont augmenté de 13,7 % pour atteindre ₹7 264 crores. Le bénéfice opérationnel de base a progressé de 13,6 % en glissement annuel pour atteindre ₹17 505 crores.

Marges et qualité des actifs. La marge nette d'intérêt (NIM) s'est établie à 4,34 % (T4-FY25 : 4,41 %). Le ratio brut de NPA s'est amélioré à 1,67 % (2,15 % il y a un an) ; le ratio net de NPA est tombé à 0,41 %. La couverture des provisions sur les NPA est de 75,3 %. Les provisions ont augmenté à ₹1 815 crores contre ₹1 332 crores au T1-FY25.

Croissance du bilan. Les prêts domestiques ont augmenté de 12,0 % en glissement annuel pour atteindre ₹13,31 billions ; les dépôts en fin de période ont augmenté de 12,8 % en glissement annuel pour atteindre ₹16,09 billions, avec un ratio CASA moyen de 38,7 %. L'adéquation des capitaux reste solide : ratio CAR total de 16,97 %, CET-1 à 16,31 % (seuils réglementaires : 11,70 % et 8,20 %).

Action stratégique. Le conseil d'administration a approuvé l'acquisition des 100 % restants d'ICICI Prudential Pension Funds Management pour ₹2 035 millions, sous réserve des approbations de la RBI et de la PFRDA, afin de renforcer les synergies « Customer 360 ».

Vue consolidée. Le bénéfice net du groupe a augmenté de 15,9 % en glissement annuel pour atteindre ₹13 558 crores ; les actifs ont augmenté de 10,9 % en glissement annuel pour atteindre ₹26,69 billions.

ICICI Bank (NYSE: IBN) veröffentlichte solide Einzelabschlussergebnisse für das erste Quartal des Geschäftsjahres 26. Die Gesamteinnahmen stiegen im Jahresvergleich um 11,9 % auf ₹51.452 Crore, während der Nettogewinn um 15,5 % auf ₹12.768 Crore zunahm. Die Nettozinserträge erreichten ₹21.635 Crore, ein Anstieg von 10,6 % im Jahresvergleich; die Zinsunabhängigen Erträge (ohne Treasury) wuchsen um 13,7 % auf ₹7.264 Crore. Der Kernbetriebsgewinn stieg im Jahresvergleich um 13,6 % auf ₹17.505 Crore.

Margen und Asset-Qualität. Die Nettozinsmarge (NIM) lag bei 4,34 % (Q4-FY25: 4,41 %). Die Brutto-NPA-Quote verbesserte sich auf 1,67 % (vor einem Jahr 2,15 %); die Netto-NPA-Quote sank auf 0,41 %. Die Deckungsquote der Rückstellungen für NPAs beträgt 75,3 %. Die Rückstellungen stiegen auf ₹1.815 Crore gegenüber ₹1.332 Crore im Q1-FY25.

Bilanzwachstum. Die inländischen Kredite wuchsen im Jahresvergleich um 12,0 % auf ₹13,31 Billionen; die Endperioden-Einlagen stiegen im Jahresvergleich um 12,8 % auf ₹16,09 Billionen, mit einer durchschnittlichen CASA-Quote von 38,7 %. Die Kapitalausstattung bleibt stark: Gesamtkapitalquote (CAR) 16,97 %, CET-1 16,31 % (regulatorische Mindestanforderungen: 11,70 % & 8,20 %).

Strategische Maßnahmen. Der Vorstand genehmigte den Erwerb der verbleibenden 100 % von ICICI Prudential Pension Funds Management für ₹2.035 Mio., vorbehaltlich der Genehmigungen von RBI und PFRDA, um die „Customer 360“-Synergien zu verbessern.

Konsolidierte Sicht. Der Konzern-Nettogewinn stieg im Jahresvergleich um 15,9 % auf ₹13.558 Crore; die Vermögenswerte wuchsen um 10,9 % auf ₹26,69 Billionen.

Positive
  • Net profit up 15.5% YoY to ₹12,768 cr driven by higher NII and fees
  • Core operating profit growth 13.6% indicates healthy underlying franchise
  • Asset quality best-in-class: NNPA 0.41%, PCR 75.3%
  • Capital ratios robust: CAR 16.97%, CET-1 16.31%
  • Loan & deposit growth double-digit at 12%+ YoY, supporting scale
  • Strategic acquisition of ICICI PFM strengthens pension offering
Negative
  • Provision charge up 36% YoY to ₹1,815 cr, reflecting higher slippages
  • NIM compressed 7 bps QoQ to 4.34%, showing deposit cost pressure
  • Retail loan growth slowed to 6.9% YoY; rural portfolio declined 0.4%
  • Gross NPA additions increased to ₹6,245 cr vs ₹5,916 cr YoY

Insights

TL;DR — Strong profit growth, solid capital; watch NIM drift and higher provisions.

ICICI delivered double-digit top-line and bottom-line growth, driven by 10.6% NII expansion and resilient fee income. Asset quality metrics are best-in-class among Indian large-cap banks, with NNPA at 0.41% and 75% PCR. Capital at 17% provides scope for growth and dividends. That said, sequential NIM compression (7 bps) and 37% jump in provisions warrant monitoring, especially as retail growth slowed to 6.9% and rural loans contracted. Acquisition of ICICI PFM is small (<0.1% assets) but deepens retirement services offering. Overall impact: positive.

TL;DR — Credit risk remains contained; coverage, capital and diversified book mitigate uptick in slippages.

Gross NPA additions rose to ₹6,245 cr, yet headline GNPA ratio improved due to aggressive recoveries and portfolio growth. Contingency buffer of ₹13,100 cr plus total extra provisions of ₹22,664 cr (1.7% of loans) limit downside. BB-and-below exposure is just ₹2,995 cr (0.2% of loans). Capital adequacy >5 ppt above requirement further safeguards. Key watch-outs: slower rural lending, higher wholesale share, and potential NIM pressure from rising deposit costs.

ICICI Bank (NYSE: IBN) ha registrato risultati solidi nel primo trimestre dell'anno fiscale 26. Il reddito totale è aumentato dell'11,9% su base annua, raggiungendo ₹51.452 crore, mentre l'utile netto è cresciuto del 15,5% su base annua a ₹12.768 crore. Il reddito da interessi netto ha raggiunto ₹21.635 crore, in aumento del 10,6% su base annua; il reddito non da interessi (esclusa la tesoreria) è cresciuto del 13,7% a ₹7.264 crore. L'utile operativo core è aumentato del 13,6% su base annua a ₹17.505 crore.

Margini e qualità degli asset. Il margine di interesse netto (NIM) si è attestato al 4,34% (Q4-FY25: 4,41%). Il rapporto di NPA lordo è migliorato al 1,67% (2,15% un anno fa); il rapporto di NPA netto è sceso allo 0,41%. La copertura delle riserve sulle NPA è del 75,3%. Le accantonamenti sono aumentati a ₹1.815 crore rispetto a ₹1.332 crore nel Q1-FY25.

Crescita del bilancio. I prestiti domestici sono cresciuti del 12,0% su base annua a ₹13,31 trilioni; i depositi a fine periodo sono aumentati del 12,8% su base annua a ₹16,09 trilioni, con un rapporto CASA medio del 38,7%. La solidità patrimoniale resta elevata: il coefficiente patrimoniale totale (CAR) è del 16,97%, il CET-1 è al 16,31% (minimi regolamentari: 11,70% e 8,20%).

Azione strategica. Il consiglio ha approvato l'acquisizione del restante 100% di ICICI Prudential Pension Funds Management per ₹2.035 milioni, in attesa delle approvazioni di RBI e PFRDA, per potenziare le sinergie “Customer 360”.

Visione consolidata. L'utile netto del gruppo è aumentato del 15,9% su base annua a ₹13.558 crore; gli asset sono cresciuti del 10,9% su base annua a ₹26,69 trilioni.

ICICI Bank (NYSE: IBN) presentó sólidos resultados individuales en el primer trimestre del año fiscal 26. Los ingresos totales aumentaron un 11,9% interanual hasta ₹51,452 millones, mientras que el beneficio neto creció un 15,5% interanual hasta ₹12,768 millones. Los ingresos netos por intereses alcanzaron ₹21,635 millones, un aumento del 10,6% interanual; los ingresos no relacionados con intereses (excluyendo tesorería) crecieron un 13,7% hasta ₹7,264 millones. El beneficio operativo core avanzó un 13,6% interanual hasta ₹17,505 millones.

Márgenes y calidad de activos. El margen de interés neto (NIM) se situó en 4,34% (Q4-FY25: 4,41%). La ratio de NPA bruta mejoró a 1,67% (2,15% hace un año); la ratio de NPA neta bajó a 0,41%. La cobertura de provisiones sobre NPAs es del 75,3%. Las provisiones aumentaron a ₹1,815 millones frente a ₹1,332 millones en el Q1-FY25.

Crecimiento del balance. Los préstamos domésticos crecieron un 12,0% interanual hasta ₹13,31 billones; los depósitos a fin de período aumentaron un 12,8% interanual hasta ₹16,09 billones, con un ratio CASA promedio del 38,7%. La suficiencia de capital sigue siendo sólida: CAR total 16,97%, CET-1 16,31% (mínimos regulatorios: 11,70% y 8,20%).

Acción estratégica. El consejo aprobó la adquisición del 100% restante de ICICI Prudential Pension Funds Management por ₹2,035 millones, pendiente de aprobaciones del RBI y PFRDA, para mejorar las sinergias de “Customer 360”.

Visión consolidada. El beneficio neto del grupo aumentó un 15,9% interanual hasta ₹13,558 millones; los activos crecieron un 10,9% interanual hasta ₹26,69 billones.

ICICI 은행(NYSE: IBN)이 26회계연도 1분기 단독 실적을 견고하게 발표했습니다. 총 수익은 전년 대비 11.9% 증가한 ₹51,452 크로어를 기록했으며, 순이익은 전년 대비 15.5% 증가한 ₹12,768 크로어에 달했습니다. 순이자수익은 ₹21,635 크로어로 전년 대비 10.6% 증가했고, 이자 외 수익(재무 제외)은 13.7% 증가한 ₹7,264 크로어를 기록했습니다. 핵심 영업이익은 전년 대비 13.6% 상승한 ₹17,505 크로어였습니다.

마진 및 자산 건전성. 순이자마진(NIM)은 4.34%였으며(Q4-FY25: 4.41%), 총 부실채권 비율은 1.67%로 개선되었고(1년 전 2.15%), 순부실채권 비율은 0.41%로 하락했습니다. 부실채권 대비 충당금 커버리지는 75.3%입니다. 충당금은 ₹1,815 크로어로 Q1-FY25의 ₹1,332 크로어에서 증가했습니다.

대차대조표 성장. 국내 대출은 전년 대비 12.0% 증가한 ₹13.31조, 기말 예금은 전년 대비 12.8% 증가한 ₹16.09조를 기록했으며, 평균 CASA 비율은 38.7%였습니다. 자본 적정성은 견고하게 유지되고 있으며, 총 자기자본비율(CAR)은 16.97%, CET-1 비율은 16.31%입니다(규제 최소 기준: 11.70% 및 8.20%).

전략적 조치. 이사회는 RBI 및 PFRDA 승인을 조건으로 ₹2,035백만에 ICICI Prudential 연금 펀드 매니지먼트 잔여 100% 지분 인수를 승인했으며, “Customer 360” 시너지 강화를 목표로 하고 있습니다.

연결 실적. 그룹 순이익은 전년 대비 15.9% 증가한 ₹13,558 크로어, 자산은 전년 대비 10.9% 증가한 ₹26.69조를 기록했습니다.

ICICI Bank (NYSE : IBN) a publié de solides résultats individuels pour le premier trimestre de l'exercice 26. Le revenu total a augmenté de 11,9 % en glissement annuel pour atteindre ₹51 452 crores, tandis que le bénéfice net a progressé de 15,5 % en glissement annuel pour atteindre ₹12 768 crores. Le revenu net d'intérêts a atteint ₹21 635 crores, en hausse de 10,6 % en glissement annuel ; les revenus hors intérêts (hors trésorerie) ont augmenté de 13,7 % pour atteindre ₹7 264 crores. Le bénéfice opérationnel de base a progressé de 13,6 % en glissement annuel pour atteindre ₹17 505 crores.

Marges et qualité des actifs. La marge nette d'intérêt (NIM) s'est établie à 4,34 % (T4-FY25 : 4,41 %). Le ratio brut de NPA s'est amélioré à 1,67 % (2,15 % il y a un an) ; le ratio net de NPA est tombé à 0,41 %. La couverture des provisions sur les NPA est de 75,3 %. Les provisions ont augmenté à ₹1 815 crores contre ₹1 332 crores au T1-FY25.

Croissance du bilan. Les prêts domestiques ont augmenté de 12,0 % en glissement annuel pour atteindre ₹13,31 billions ; les dépôts en fin de période ont augmenté de 12,8 % en glissement annuel pour atteindre ₹16,09 billions, avec un ratio CASA moyen de 38,7 %. L'adéquation des capitaux reste solide : ratio CAR total de 16,97 %, CET-1 à 16,31 % (seuils réglementaires : 11,70 % et 8,20 %).

Action stratégique. Le conseil d'administration a approuvé l'acquisition des 100 % restants d'ICICI Prudential Pension Funds Management pour ₹2 035 millions, sous réserve des approbations de la RBI et de la PFRDA, afin de renforcer les synergies « Customer 360 ».

Vue consolidée. Le bénéfice net du groupe a augmenté de 15,9 % en glissement annuel pour atteindre ₹13 558 crores ; les actifs ont augmenté de 10,9 % en glissement annuel pour atteindre ₹26,69 billions.

ICICI Bank (NYSE: IBN) veröffentlichte solide Einzelabschlussergebnisse für das erste Quartal des Geschäftsjahres 26. Die Gesamteinnahmen stiegen im Jahresvergleich um 11,9 % auf ₹51.452 Crore, während der Nettogewinn um 15,5 % auf ₹12.768 Crore zunahm. Die Nettozinserträge erreichten ₹21.635 Crore, ein Anstieg von 10,6 % im Jahresvergleich; die Zinsunabhängigen Erträge (ohne Treasury) wuchsen um 13,7 % auf ₹7.264 Crore. Der Kernbetriebsgewinn stieg im Jahresvergleich um 13,6 % auf ₹17.505 Crore.

Margen und Asset-Qualität. Die Nettozinsmarge (NIM) lag bei 4,34 % (Q4-FY25: 4,41 %). Die Brutto-NPA-Quote verbesserte sich auf 1,67 % (vor einem Jahr 2,15 %); die Netto-NPA-Quote sank auf 0,41 %. Die Deckungsquote der Rückstellungen für NPAs beträgt 75,3 %. Die Rückstellungen stiegen auf ₹1.815 Crore gegenüber ₹1.332 Crore im Q1-FY25.

Bilanzwachstum. Die inländischen Kredite wuchsen im Jahresvergleich um 12,0 % auf ₹13,31 Billionen; die Endperioden-Einlagen stiegen im Jahresvergleich um 12,8 % auf ₹16,09 Billionen, mit einer durchschnittlichen CASA-Quote von 38,7 %. Die Kapitalausstattung bleibt stark: Gesamtkapitalquote (CAR) 16,97 %, CET-1 16,31 % (regulatorische Mindestanforderungen: 11,70 % & 8,20 %).

Strategische Maßnahmen. Der Vorstand genehmigte den Erwerb der verbleibenden 100 % von ICICI Prudential Pension Funds Management für ₹2.035 Mio., vorbehaltlich der Genehmigungen von RBI und PFRDA, um die „Customer 360“-Synergien zu verbessern.

Konsolidierte Sicht. Der Konzern-Nettogewinn stieg im Jahresvergleich um 15,9 % auf ₹13.558 Crore; die Vermögenswerte wuchsen um 10,9 % auf ₹26,69 Billionen.

0001516912false00015169122025-07-232025-07-23

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934
Date of Report (Date of earliest event reported)
July 23, 2025
ORIGIN BANCORP, INC.
(Exact name of Registrant as specified in its charter)
Louisiana001-3848772-1192928
(State or other jurisdiction of incorporation)(Commission File No.)(I.R.S. Employer Identification No.)

500 South Service Road East
Ruston, Louisiana 71270
(Address of principal executive offices including zip code)
(318) 255-2222
(Registrant's telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
    Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
    Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
    Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
    Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, par value $5.00 per shareOBKNew York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨





ITEM 2.02Results of Operations and Financial Condition
On July 23, 2025, Origin Bancorp, Inc. (the "Company" or the "Registrant") issued a press release announcing its second quarter 2025 results of operations. A copy of the press release is attached hereto as Exhibit 99.1, which is incorporated herein by reference.
On Thursday, July 24, 2025, at 8:00 a.m. Central Time, the Company will host an investor conference call and webcast to review its second quarter 2025 financial results. The webcast will include presentation materials, which consist of information regarding the Company's results of operations and financial performance. The presentation materials will be posted on the Company's website on July 23, 2025. The presentation materials are attached hereto as Exhibit 99.2, which is incorporated herein by reference.
As provided in General Instructions B.2 to Form 8-K, the information furnished in Item 2.02, Exhibit 99.1 and Exhibit 99.2 of this Current Report on Form 8-K shall not be deemed "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), or otherwise subject to the liabilities of that section, and such information shall not be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in such filing.
ITEM 8.01Other Events
On July 23, 2025, the Company issued a press release announcing that the board of directors of the Company declared a quarterly cash dividend of $0.15 per share of its common stock. The cash dividend will be paid on August 29, 2025, to stockholders of record as of the close of business on August 15, 2025. The press release is attached hereto as Exhibit 99.3, and incorporated herein by reference.
ITEM 9.01Financial Statements and Exhibits
(d)Exhibits.
Exhibit 99.1
Press release, dated July 23, 2025, announcing second quarter 2025 earnings
Exhibit 99.2
Presentation materials
Exhibit 99.3
Press release, dated July 23, 2025, announcing quarterly dividend
Exhibit 104Cover Page Interactive Data File (embedded within the Inline XBRL document)



SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.
Dated: July 23, 2025
ORIGIN BANCORP, INC.
By: /s/ William J. Wallace, IV
William J. Wallace, IV
Senior Executive Officer and Chief Financial Officer

FAQ

How much did ICICI Bank's net profit grow in Q1-FY26?

Standalone profit after tax grew 15.5% YoY to ₹12,768 crore.

What is ICICI Bank's current net NPA ratio?

Net NPA ratio improved to 0.41% as of 30 June 2025.

What are the bank's capital adequacy ratios after Q1-FY26 earnings?

Including Q1 profits, total CAR is 16.97% and CET-1 is 16.31%.

How did net interest income (NII) perform year-on-year?

NII increased 10.6% YoY to ₹21,635 crore.

What growth was recorded in deposits and loans?

Deposits rose 12.8% YoY to ₹16.09 trn; domestic loans grew 12.0% YoY to ₹13.31 trn.

What is the status of the ICICI Prudential Pension Funds acquisition?

Board approved purchase of 100% stake for ₹2,035 million, pending regulatory approvals.
Origin Bancorp

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