| Schedule of Actual Capital Amounts and Ratios |
The actual capital amounts and ratios of the Company and the Bank at June 30, 2026, and December 31, 2025, are presented in the following table: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Dollars in thousands)
June 30, 2026 | Actual | | Minimum Capital Required - Basel III | | To be Well Capitalized Under Prompt Corrective Action Provisions | | Common Equity Tier 1 Capital to Risk-Weighted Assets | Amount | | Ratio | | Amount | | Ratio | | Amount | | Ratio | Origin Bancorp, Inc. | $ | 1,183,748 | | | 13.41 | % | | $ | 617,915 | | | 7.00 | % | | N/A | | N/A | Origin Bank | 1,122,647 | | | 12.80 | | | 613,948 | | | 7.00 | | | $ | 570,094 | | | 6.50 | % | Tier 1 Capital to Risk-Weighted Assets | | | | | | | | | | | | Origin Bancorp, Inc. | 1,199,799 | | | 13.59 | | | 750,426 | | | 8.50 | | | N/A | | N/A | | Origin Bank | 1,122,647 | | | 12.80 | | | 745,508 | | | 8.50 | | | 701,654 | | | 8.00 | | Total Capital to Risk-Weighted Assets | | | | | | | | | | | | Origin Bancorp, Inc. | 1,301,623 | | | 14.74 | | | 927,208 | | | 10.50 | | | N/A | | N/A | | Origin Bank | 1,224,471 | | | 13.97 | | | 920,325 | | | 10.50 | | | 876,500 | | | 10.00 | | Leverage Ratio | | | | | | | | | | | | Origin Bancorp, Inc. | 1,199,799 | | | 12.05 | | | 398,274 | | | 4.00 | | | N/A | | N/A | | Origin Bank | 1,122,647 | | | 11.37 | | | 394,951 | | | 4.00 | | | 493,688 | | | 5.00 | | | December 31, 2025 | | | | | | | | | | | | Common Equity Tier 1 Capital to Risk-Weighted Assets | | | | | | | | | | | | Origin Bancorp, Inc. | 1,139,627 | | | 13.54 | | | 589,364 | | | 7.00 | | | N/A | | N/A | Origin Bank | 1,054,279 | | | 12.62 | | | 584,801 | | | 7.00 | | | 543,029 | | | 6.50 | | Tier 1 Capital to Risk-Weighted Assets | | | | | | | | | | | | Origin Bancorp, Inc. | 1,155,628 | | | 13.73 | | | 715,658 | | | 8.50 | | | N/A | | N/A | | Origin Bank | 1,054,279 | | | 12.62 | | | 710,115 | | | 8.50 | | | 668,344 | | | 8.00 | | Total Capital to Risk-Weighted Assets | | | | | | | | | | | | Origin Bancorp, Inc. | 1,255,717 | | | 14.91 | | | 884,171 | | | 10.50 | | | N/A | | N/A | | Origin Bank | 1,154,368 | | | 13.82 | | | 877,205 | | | 10.50 | | | 835,433 | | | 10.00 | | Leverage Ratio | | | | | | | | | | | | Origin Bancorp, Inc. | 1,155,628 | | | 11.86 | | | 389,648 | | | 4.00 | | | N/A | | N/A | | Origin Bank | 1,054,279 | | | 10.91 | | | 386,406 | | | 4.00 | | | 483,007 | | | 5.00 | |
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