HIGHBuilt-inLoan_portfolio
66.9%
real estate loans
“10-K Item 1A: '$5.13 billion, or 66.9%, of our total LHFI was comprised of loans with real estate as a primary component of collateral'”
OBK · Concentration risk · 10-K extracted
Origin Bancorp (OBK) concentration risks
Updated
The most significant concentration Origin Bancorp discloses is real estate loans at 66.9%, classified HIGH by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Origin Bancorp’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 4 disclosed concentrations
HIGH3
MEDIUM1
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
HIGHBuilt-inGeographic
64.7%
Texas
“10-K Item 1A: '64.7% of our total real estate loans (by dollar amount), excluding mortgage warehouse lines of credit, were made to borrowers who reside or conduct business in Texas'”
HIGHBuilt-inLoan_portfolio
56.9%
business deposits
“10-K Item 1: '56.9% of our deposits were business deposits, 31.3% were consumer deposits and 11.8% were public fund deposits'”
MEDIUMBuilt-inLoan_portfolio
40.9%
commercial real estate loans
“10-K Item 1: 'our LHFI portfolio was comprised of 32.8% commercial and industrial loans including mortgage warehouse loans, and 40.9% commercial real estate loans'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Origin Bancorp's balance sheet is heavily weighted toward real estate: loans with real estate as a primary collateral component make up 66.9% of total loans held for investment, and within that, 64.7% of real estate loans (by dollar amount) are concentrated in Texas — both disclosed as high in scale. Commercial real estate loans specifically account for a further 40.9% of the loan portfolio, a moderate slice of the same broader real estate exposure. On the funding side, business deposits represent 56.9% of total deposits, also a high share, with consumer and public-fund deposits filling the remainder. These exposures reinforce rather than diversify one another: real estate collateral, Texas geography, and commercial real estate lending all describe overlapping slices of the same structural bet on regional property markets, so a Texas-specific real estate downturn would pressure asset quality across nearly the entire loan book simultaneously. The deposit concentration in business accounts adds a funding-side dimension — business deposits can be more rate-sensitive and less sticky than retail deposits, which could compound stress in the same scenario. None of these are idiosyncratic counterparty risks; they are structural features of a regionally focused commercial bank.
For the engine’s reasoning on OBK’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| OBK● | Origin Bancorp, Inc. | 3 | 1 | 0 | 4 |
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.