Total Assets
$9.6B
Total balance-sheet footings
FDIC Cert #12614 · Choudrant, Louisiana · Est. 1912
Origin Bank - FDIC Bank Health Profile
A community-scale look at Origin Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $9.6B
- Total assets
- B
- Health grade · Good
- 0.76%
- Return on assets
- 12.6%
- Tier 1 capital
Data updated July 2026
The verdict
Origin Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.62% Tier 1, 0.76% ROA, efficient (57% cost ratio).
- #164
- largest of 4,313 FDIC banks by assets
- 96th
- percentile by asset size, nationally
- 12.62%
- Tier 1 ratio - above the 10% well-capitalized line
- 27th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Origin Bank's 77/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Origin Bank's composite health score
Tier 1 Capital Ratio (12.62%) 35/40
Return on Assets (ROA) (0.76%) 14/25
Texas Ratio (6.62%) 16/20
Efficiency Ratio (57.18%) 12/15
77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$8.3B
Customer-funded liabilities
Net Loans
$7.6B
Outstanding loan book
Net Income
$73M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Origin Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Origin Bank's score of 77/100 falls in the highlighted band.
Origin Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Origin Bank's $9.6B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.62% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.62%
Texas Ratio
6.62%
Equity Capital
$1.1B
Profitability metrics
Return on Assets (ROA)
27th percentile nationally
0.76%
Return on Equity (ROE)
6.52%
Efficiency Ratio
57.18%
What the numbers say about Origin Bank
Origin Bank is an FDIC-insured institution (Certificate #12614) headquartered in Choudrant, Louisiana, established in 1912. It holds $9.6B in total assets - 164th of 4,313 FDIC-insured banks, $8.3B in customer deposits, and $7.6B in net loans. Capital-wise, the Tier 1 ratio sits at 12.62%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 6.62%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (77 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Origin Bank sits in the top decile of all FDIC-insured institutions by asset size (164th of 4,313), and within Louisiana it ranks 1st of 106 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is b1BANK, at $8.2B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$537M
Interest Income
$37M
Non-Interest Income
$218M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Origin Bank reports a Texas Ratio of 6.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
6.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Louisiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Origin Bank (FDIC Cert #12614) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| b1BANKBaton Rouge | $8.2B | A | 1.23% |
| First Guaranty BankHammond | $4.1B | C | -1.33% |
| Gulf Coast Bank and Trust CompanyNew Orleans | $3.6B | B | 1.15% |
| Home Bank, National AssociationLafayette | $3.5B | A | 1.41% |
| Red River BankAlexandria | $3.3B | A | 1.36% |
| Investar Bank, National AssociationBaton Rouge | $2.8B | B | 0.89% |
| Bonvenu Bank, National AssociationBossier City | $1.6B | B | 0.54% |
| BOM BankNatchitoches | $1.5B | B | 1.24% |
Frequently asked questions
What is Origin Bank's health grade?▼
Origin Bank receives a health grade of B (77/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Origin Bank?▼
Origin Bank holds $9.6B in total assets and $8.3B in deposits, ranking 164th of 4,313 FDIC-insured banks by asset size. It is headquartered in Choudrant, Louisiana.
Is my money safe at Origin Bank?▼
Yes, deposits at Origin Bank (Certificate #12614) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Origin Bank's Tier 1 Capital Ratio?▼
Origin Bank has a Tier 1 Capital Ratio of 12.62%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Origin Bank?▼
Origin Bank has a Texas Ratio of 6.62%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Origin Bank?▼
Origin Bank has an Efficiency Ratio of 57.18%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Origin Bank's profile as a depositor or analyst.
- Origin Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Origin Bank against other Louisiana banks before moving funds. Louisiana banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.