- Earnings call transcript Q3 2022

Due to licensing restrictions, you must log in to view earnings call transcripts.

Operator

Good day, ladies and gentlemen and welcome to the Origin Bancorp, Inc.

Third Quarter 2022 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded. I would now like to turn the conference over to Chris Reigelman, Head of Investor Relations. Please go ahead.

Chris Reigelman

you us thank and morning for today. joining Good release issued our afternoon. press earnings We yesterday which on to is with of copy A available presentation we presentation. the our that will this refer during slide along website, refer Safe statements non-GAAP our financial Slide which use statements Harbor of slide regarding our Please presentation, to includes measures. and forward-looking of X

this statements Page those by Bancorp’s Financial Harbor presentation President and and Drake. Risk phone, slide and you Bank, Wally Origin note is of website to yours, we our Steve I on Chairman, Please Origin release of joining the please will Accounting address Chief Mills; The also joined presentation be Chief release. filed on happy today’s the our our For earnings Brolly; Credit Moore. Hall; SEC Banking comments at our are morning questions our CEO that are our Officer, our earnings Harbor yesterday. Safe Safe available call presentation, to Drake Lance Crotwell; in subject CEO, X made may note is the available Officer, the and call Chief www.origin.bank. any Preston with Officer, statements slide during All and After Wallace; have. Chief now Jim Officer, President by am

Drake Mills

proud the who and a late February, full a cultural talked X the as companies. conversion the our Origin partnership, strength is in and In of testament in for and opportunities. the the Thank announced closed communities in the quality process the you, investor execution serve the leading and August Chris our early a October. October, about with and this acquisition. estimated and announced financial from I value so made conversion was rate in materially, the provided merger on unicorn good The go this When fit BTH June, flawless system to an beginning exciting of we both employees of completed of Origin August is purchase a publicly that BT smoothly. relationships fact February, morning. resulted significant our finalized quarter ability deal metrics geographical a close the at This Since this I with company to people, received and capitalize an financial being environment BTH BTH we is fit on for with the to that in of has Holdings update that am approval system the we fair the our regulatory our right in the we to our announcement presentation, accounting marks. the changes changed of fit,

in to rate is bottom these performance book has the our the changes accounting fundamental accretion, the tangible While improved value purely that adjustments to value estimated EPS period line and years. tangible the both and of X.X Origin earn-back dilution resulted lowering book environment BTH,

later presentation. details will the get into I overlooked footprint, being Texas years With share to markets East customers, significant our the of of can than culture accomplish. each this Origin in about adding core and in deposit for our grow with our I quarter across buzz has to a am market deep Texas, commitment the serving communities Dallas-Fort around with in is I excited and Mississippi, quarter culture in XX what company often annual a of its company. our and Worth where markets. my past have scale particularly merger stronger quarter we shareholders that is presence was impressive get Culture the and while loan BTH, of opportunity This partnerships. of industry, our Louisiana, Lance, with with our our celebrations. Steve enhanced seen There are will optimistic in and we and the Jim completion the to rich

for remove I our in particularly at noise, XX.XX%. X.XX% long-term and look with profitability adjusted I strategic performance As all adjusted of line the with the am continues quarter our ROA pleased strengthen to goals. the ROE our of and and is core

in process us commitment and again quarter am for With put improvement we make toward forward. of to we as focused business will we BTH, on what showed focus to took to all a do which our us they major was to doing of successful, approximately proud a am say building move strategic strength am our strict impressive I row. quarter for in loan XX we growth, standards this discipline company We the a addition apply the and value I of annualized to position show I quarter applying proud interest underwriting net and of margin, with our growth basis our the managing in steps of do. points growth second with XX% proud this while we this continue employees remain for long-term up our and

Lance. Now, over I it turn will to

Lance Hall

Drake. Thanks,

to equates double-digit warehouse, Adjusting for ahead Worth, fundamentals I a pleased very with am We our Fort I company. the performance of BTH and Mississippi. I be proud of see loan was growth across the as of excluding Louisiana and our million strong. production, growth we to impressive IPO have as lot loan Texas, XX, of And capitalizing to quarter Organic mortgage can a now analyze annual a or our feel compounded and bankers target. executing all our for on I our have On shown our attracting on are and in strategy about XXXX. in quarter. approach since this XX% rate our talk and markets, strategy X.X% retaining and very compared XX.X% grew that Dallas, the Houston relationship-based $XXX.X the strongly of Texas. opportunities are loans clients. often particularly we to East Slide the you This low linked annualized growth

on BTH East Texas. have about and and Worth profitable BTH Dallas, we and what strengthened we shared As core been presents balance for have relationships Like Origin, we C&I vision and we and our extremely those will our and our built they Origin are management accomplish. bolster and larger relationships. with focus commercial be have in services, real believe suite owner-occupied marketing mentioned, products opportunities a estate Drake impressive. Fort the through of able can And to it partnership excited sheet Their the treasury targeted efforts.

how out a deposit our piece betas some fund excluding positioned is relates declined deposits and the mortgage particularly warehouse, X.X%, are to an net the our on focused XX% decline allow strategic for remain third and growth. ratio, delivered, and increase one adjusting I $XX.X proud of we large Origin due know they however. bankers to decision business of non-interest-bearing funding part mind, leave the driving to continued puzzle but am only non-core of to deposits. showed with of deposits is or quarter, as loan-to-deposit which margin. moving in betas significant transaction In that top XX% important Our quarter bank. non-interest-bearing well This an dollars of We the million customer within BTH, it was deposit to on I it’s for aren’t the point loan think Total to annualized. deposits based markets interest With

are been We deposit and our with loan pleased how pricing trending. has

provide prior NIM total beta was Steve to XX% NIM on beta will our deposit our XX%. today, this cycles XX% at stand from cumulative range in from analysis. based our beta well was positioned believe XX% historic our to quarter, we cumulative third later on and looked we more range Where our NIM the and deposit Origin presentation. XX% back XX%. We with tight beta of As is the detail

Before over I want metrics, brag to to impressive Jim our to credit bankers. turn on about it I our talk

we system of conversion incredible that our the at entire completed throughout employees mentioned, process. Drake did the As BTH job with and an October, beginning

client the way. We a are are executed of in so our teams in I’m always dynamic experience, we and focused where proud XXXX. on

loan Our is growth up.

NIBs on focus Our strong. remains

be and stronger. how that rose Our never integration and our The culture was BTH has been a with continues to management treasury our remarkable teams differentiator. to challenge team

to turn it Jim. I’ll over Now

Jim Crotwell

Slide recap credit metrics. Thanks, of quality XX provides Lance. a our

We portfolio. continue to pleased loan extremely our the be strong of performance with

for a loans for for at at total held X.XX% loans held loans for total held As loans average charge-offs loans investment investment, were Classified X.XX% investment of for held for for in held X.XX%. while percentage end, nonperforming annualized to were loans to while pass-through X.XX% in came investment investment net stable for QX. at at down quarter came X.XX%, from held quarter, the investment

portfolio. on I the be to behind and our last focus with the performance of credit structure, our underwriting solid sound quarter, relationship banking, As shared continues drivers loan along

from increasing resulting warehouse. million, For increased X.XX% million reserve of our to net loans for $XX.X X.XX% $XX.X we for from credit held investment QX, losses in our to mortgage allowance to

XXX% reserve held QX debt of As increased shows the the of to XXX% compared year our improving profile. a loans at percentage a and to end our and end at also ago, XXX% which nonperforming strong of investment, for QX

While our and our inflation the recession likelihood closely the economic of portfolio be portfolio. of to we continues impact are monitoring resilient, on an

to wages, performance impact portfolio. geopolitical continue on their concerns of headwinds addition, In the and our chain labor to persist supply, as supply and disruptions

extremely time we of are by in we with the pleased impacted be that uncertainty outlook quarter, a we overall we the and turn As recession over areas and to Again, to now the stated continued than country. of Steve. it portfolio. continue prepared degree of are that to will other serve, I’ll believe last this lesser a performance feel markets, our well

Steve Brolly

is Thanks, held yields, portfolio loans slide. Jim. Slide XX for costs and our investment

XX accounting which X includes from our quarter, BTH quarter. increased of points total recorded the the during adjustments or During on third points, million loans for purchase the basis third basis held investment impact yield approximately $X.X

beneficial interest for will increased bank, rates asset-sensitive an be As Origin.

XX change recent an was interest million net during net instantaneous from increase the Of to interest in interest NIM majority and our expect $XX income volume yields basis and income income million and interest the million on total XXX We or rates. X.XX% increased loans. in attributable generate remaining of shows trends. $XX a BTH, to the with parallel Slide the point incremental shift from quarter, $X.X net

we changes quarter-over-quarter June relatively are Slide In our flat interest the net compared quarter income. net third the to basis, addition, is consistent changes XX NIM the ended with security the On in XX. investment a slide. in

This revenue is most fair gave As to the pay revenue incurring our liquidity Slide of of XX growth to merger. graph us short-term their opportunity the X our IPO. liquidate on distribution. primarily We recorded since top net borrowings. of portfolio use were loss. shows net a at realized BTH, down our without that investments day value The

BTH incentive $X.X from expenses nearly The non-interest rates. above, accruals the interest $X bottom-right our We to exceeding million for due merger was total increased consistent to there last made and, salaries primarily is amortization non-interest are of part increase benefits in of assets recently, most expense analysis. these in intangible MSR employees, increase $X.X reduce driven and just strategic reported Therefore, million and employee portfolio by performance mentioned I than doubled million GNMA expense, oversaturation million We $XX.X is has years to assets. BTH of revenue growth $XX.X matrix. X additional increases and current our $X.X in this table. We a by the impair loan $X million strong the Our in market other quarter from million, XX, decision BTH those merger, value. $X the from our to operational merger-related believe the which carrying of due million, an that a the it expense the million. Slide prudent of

Moving capital show We trends our ratios. regulatory to slide. next the on

a to opportunities in are to value well and position continue for be future strong take We of to our advantage shareholders. drive capitalized

Now Drake. I’ll turn over it to

Drake Mills

markets. been profitable Steve. additions long-term the building to quarter culture of and substantially we’ve unique our corporate over that total committed Origin growth shareholder the There drive more. history, been been culture, to leading X BTH demonstrates Since Throughout total is Thanks, with return slide assets, strengthens to our increased company, past I’ve for decades. have long-term benefit for this built in success stockholders’ is hiring in of on focused the even employees best and and total all organization, the stakeholders. our this committed a company growth which a our presentation and a a is we’ve create within equity our long-term

decision made of inflationary implement Steve we a employees. quarter earlier, raises large a As for to segment mentioned last our

expenses, our it thing to impacts right do. While this was the

we I Our ways are with make as more shareholders, am mission that banking insurance and employees, customers, pleased where we very is remain every for day. to rewarding to passionately mission communities our a focused pursue on and and company.

additional loan ratio Looking improvement fourth our deposit continued credit quarter, metrics. in interest further in expansion, growth, the net our we stability and efficiency at anticipate margin and

levels liquidity a in and capital current Our strong us put position.

shown Thank dynamic have Origin. who call confidence right our ability committed markets, culture of in our We on to you for drive people vision the have employees for to their to to in shareholders we growth today. and you and are being Thank our long-term the value. our the

up the for we questions. Session Now open call will Question-and-Answer

Operator

Instructions] Thank Raymond first our will you. your from James. question we Michael And Please take [Operator state from question. Rose

Michael Rose

Hey, good taking guys. Thanks my morning, for question.

Drake Mills

Good morning, Michael.

Michael Rose

Good Maybe acquisition. the with start thoughts if the just morning. we could around updated

book well. and think as that out the I is – the dilution couple and you weeks is you that are tangible less, the put a EPS the show but was foreshadowed what less in So earnback slides of accretion the clearly, ago, in X-K

can through kind from and would be changes transpired start finish of of if to walk us kind the in Thanks. helpful? So of marks the kind you just what

Drake Mills

when announced the closed. But where Michael. start, obviously, you after say up environment look rate It’s I’ll Yes. the you where interest we – closed, would I versus the deal you think significantly. changed put better we looks and really metrics, at we if

Steve, – let’s a the decline somewhere dealing – say, about interest most half. the we’re of the range. accretion mean we the with all start EPS we that at we’re in rates from then bulk And the standpoint starting announced has of – amortization think what whatever, and with do X.XX, XX EPS sudden, CDI the the of accretion or I CDI. at, to bill I or in

accounting you $X metrics for the in people accounting. as and really part it. and that’s about say about, of I opportunities this but big excited But million would And to that’s the overall the we’re excited our of the it, looked East so understand not the so – from opportunity deal that change loans, me, is deal the majority markets, to the we the accretion deposits when Texas, change, million at deal, move the which to you the $XX people accretion, overall. so am I at And that’s markets, leverage I around impact in metrics the from and look of a did

So know if anything Wally, to deal to I you the add want don’t metrics.

Wally Wallace

also stronger book day, the And our lower first, end drove think only kind said, power The meaningful – all of ton changed add earnings talking we period positive. only of in by fact to rates is period is, payback The I’d into the that noise. that doesn’t ended change account a is thing it’s was take way. that made asset what changes funny we our power add Drake the you accounting I’d the earnings in which Michael, At marks. tangible thing that like what of sensitivity and a the in the BTH’s stronger. with, value up the purchase It adds

is earn-back slide. the there. stop less I’ll just on think that even was we ultimately, So than what

Drake Mills

apologize. accretion. I amortization CDI. on I Michael, I’m I the mean sorry. Yes, said

Michael Rose

Understood. mentioned And how won’t major thought at you at impact – as as couple the that in the years. as adjustments the a mentioned, what out, least appreciate especially you just I the accretion have the we really what non-GAAP beginning, think just expected if But I we even have would – big slide, or next would of strip I about which all what forward, that kind expansion call move be any the and how particularly would shift be sort we asset we being made as great. margin should good still forward? layered of BTH relate earning growth, sheet near-term to looks in to going pretty a loan balance of that’s to in Thanks. of the about think mix you Just and context moves moving like positive

Drake Mills

taking the customers we Well, care and hardly in BTH pickup volumes us, saw without what months. what announced, production. thing in they last a for from had standpoint as X were hit they that last for in one I so saw was a the And months people Their we outreach. they wall any that were X is, by had overwhelmed the – of of growth

And midst we’re so these in that do to things do. intuitions our they the the of that. that us you certainly, support people need told And

we those from a today, do, We we’re that what the to this really especially have expansion these in growth NIM but that and where expansion. continue use. process help portfolio opportunities certainly growth some seeing managers or some will And systems markets, with their not opportunities. will have But And people provide time, East we Texas take we will are early think NIM do peaked. I

NIM we’re as East expansion on have things keep continue going quarter. starting the significant out or to need good Texas. growing which Dallas-Fort the I in our we And about the [indiscernible] think go from to I But together start focus talking will marketing They – well to benefit just process East impact in were in of do Jay Texas, our to in, see I with the about we in in teams. fourth East doing a growth working those introduction operate do I’m really talked about on excited and Worth and and markets. those the market, to Texas some

I’m your really NIM hope quarter. – But about next and So question. bullish I’m I answering

as continue we’re We fair see, in opportunities bringing think, to I that have the good pricing we on. new some credits

Michael Rose

is benefits savings cost should Thanks. doing next opportunity dislocations in is pause your Very helpful. before of to kind but the Or And going near-term? be and open there I kind and it you the close, continue at would be will maybe the deal core deal is just the deal recently you me, just a know of in to and finally another there one? look clearly to for mean then markets. I realize arise – the the from be an all get take

Drake Mills

focused We’re BTH. integrating on

So there to walk what not – not a to BTH that deal. term in. but the focused necessary going say look, couldn’t – in the the that I’m deal flawless there I’m to walks that is be I on. be like, need that’s great used to things we do execution And and sure feel going in, make another BTH we I’ve

two we exactly the were these culture on saves This quality our is can’t in in about this and comfortable a we people. we it feel integrate have way. you that time is community build Texas, most The and very were in organization. people might me, us. to board, we this accurate allowed are XX but would say, forward. of people that and That’s market, organizations table Jay standpoint strong And – at you What In been all of to those making We and sure their those products cost not positives cost in For quality that when had benefits is where we’re and the are we looks if tell BTH people hey, we all fortunate. customers the how how where stop his the for part, at that those what when on we moved to think use from that But East brought of for that making allowed that so spending have And if we of these I open should that Texas been teams do I East still they desperate keep breathe to culture. and positions focused. services the is presence what in had and for as people same us making – way I saves, do think and point. – have online. out, all, up historically got filled integrate let XX sure the quality their their that big XX-some-odd us we there a positions have

right of that. don’t focused So, popped you if up, that’s another advantage describe has we on unicorn unicorn – to stay Certainly, certainly way the are going that. think we take would I

Michael Rose

Prefect. Thank question. for you taking my

Operator

ahead, our Olney question Stephens comes Please Matt. Inc. from go Thank you. And next from Matt

Matt Olney

Good Thanks. morning everybody. Hi.

Drake Mills

Good morning Matt.

Matt Olney

where growth like ask Lance the deposit BTH. contracted, end-of-period in I remarks ex want run Thanks. I where about again? balances but was of in we the at are higher strong could of the cost quarter, really It the about XX to quarter? of the prepared some to growth point deposit third deposit Any could pipeline the looks Is see thinking it balance something we deposit NIB color or think from NIB strength balances start here now to growth, and continued legacy pretty similar the off we of on deposit deposits, the mentioned fourth at looks total see and deposit X grow but sticky, growth. to that the

Lance Hall

sort been It’s banking question morning. Good Matt. there firms. of treasuries, the look, out through lot brokerage of of Hi mean liquidity no systems Yes. Lance. a through I pulled is that has

time, balancing We asset our are this sure balancing same are sort XX-B NIM. we of year. At we the to under stay make size

So, to have deposits. we tried smart I be on think we about core how and strategic focus

in the treasury loan geographic management way that story that specialists that attract we around equal do to and incentive know have and our plans an management. around used deposit amount pay models, they lift-outs we a deposits, for built company the have for our You way

begin high compete able to we to XX% pricing, good be to, our to we that do are feel want deposit I mid of staying job banks the loan-to-deposit in to that a window confident in is fiercely the on ratio. more to as going – be really So, going which

of We strategic is grow luxury us. continue the in or That’s also North years. opportunity deposits we East what last forget years to And is a X kind X I must the say, the, have critical NIBs, Texas the excited to in which specifically. don’t then been about Louisiana. there for grow Super for focus

And our and rural where Louisiana us talked look harshly non-core $XXX strong It’s year, in QX. stuff. deposit be growth if let for for some at go last we allowed of and remember, quarter, still strategic about runoff not us we some you in As had growth of million fighting markets. has this we Mississippi been we from and the us deposit to and

think competitive manage us So, confident see the side, through. ability our will on to very and you become much in then I manage more the but rate XX-B

Matt Olney

BTH. BTH, pipeline Appreciate you for Lance. economic loan the results the the to Okay. organic fourth next growth then have And thoughts nice into that on loan and consider now that, front, quarter you looking environment, the current in And get folded your around growth ex and year. want

Drake Mills

to it look Matt, when pipelines. And current the at us into we is going Yes. pipeline continues month. fourth surprise – the looks first good extremely through quarter

at point, about growth, and warehouse. exit. over mortgage mortgage and address this the $XX million And we were at last relationships well less I about this of might going usually, so brought And now BTH. that go we were those up talk with because We on ahead X.XX for a loan quarter pullback And obviously ended warehouse. as to

We have gone through that process.

is high-quality we clients around We going in managing the out banks. several quarter lowering relationships We fourth we to somewhere expense what of focused continue $XXX number about their will up, end here. actually that But warehouse. to of found that is think be or that are I structure. relationships million of end mortgage are that the reducing And our the feel at are exciting are on

a that’s those high-quality that We reduction clients, from feeling are and not positive.

right are we I in. into the think or of X% the mortgage going outstandings, see environment we of like now are uncertainty you X% to where going that warehouse and So, about I are

which we growth see, mortgage as the several warehouse, guidelines say, going a underwriting – very I think let’s as But loan quarter, as growth ex far continue to had long apply set we digit is fourth to still years. low-double through the as surprising. last So, quality, to strict we are

feel So, we the about good quality bringing on. we are

Going digit I start we on a we think if pipelines, markets loan still and our through at growth can looking through the ‘XX, to side. ‘XX high-single maintain talking everything,

Lance Hall

would Yes. are we just Lance. Hey where the about from. Matt, excited I add, coming this continue be to is loans

mean our – DFW see that’s loan what we pipelines. back the had four our and I to Houston go continuing grown strategy. growth about be you to quarters, XX%, And has we last lift-out of over are reflective excited continue If in XX%, of

We commercial gatherers, right that in That a line And been stays in private banking last be bankers of business treasury management, in to have XX months continues it producers development. with as QX. XX%. another deposit added well has as combination seven the

are of They heavy I looked last almost sort hiring. hired million. months. at over producers went $XXX So, and have back it’s we loans very XX grown $XXX who deposit-focused the deposits on million,

So, are level. at that a relationships really producing we these that high quality dragging over. the are from these they credit people seeing are long-term love We

the the lift-outs Texas just So, the strategy of pay and focus on continues to dividends.

Matt Olney

Okay. Thanks queue. back will guys. hop in I the

Drake Mills

you. Thank

Operator

next Piper go will to Thank you. Please And ahead, we go Milsaps from Brad. Brad Sandler.

Brad Milsaps

Hey. morning. Good

Drake Mills

glad you to Brad, morning Good absent after back welcome being for a while.

Brad Milsaps

you lot – of stayed you sure maybe to under suppose. sheet. to Exile, make I on a making of the stay billion. follow-up I the know were wanted balance to guys of just I just kind $XX size adjustments

what get wanted to warehouse? you or much the average I does assets. here NII, just starting earning of point said stabilize trend for right etcetera. of Just it through kind Just make to sure of to the to to point want kind a sure of does right you notwithstanding mortgage have all about adjustments make sense from the balance kind kind jumping of I want pretty the down drive sheet make I of Just off wanted had you further? sort Are curious,

Drake Mills

Yes.

to after as good XX-B our debt BTH $XXX sold runway and stay under felt for transparent it, like needed in that right I to As XX/XX. million be, I a reduced going always as from securities very we am we had

growth. then pipeline off with are to suspect bit billion. to the this in to billion. $X.X year to the with point I to the We grow we below continuing have as are races, stay we sheet point, at But are And end around have going that at a we a somewhere pull past. up that the pushing triggers balance ensure couple we that opportunities little of $XX We still

Brad Milsaps

Maybe the and expenses. expense a as we month Can And just fourth Drake. speak XXXX? to cost Thanks come. into question as quarter was still but the higher for, then of of maybe kind BTH about obviously, in then maybe touch Great. trajectory little savings think looking bit got start a you savings cost to another to I than see some maybe similar around you you a

Steve Brolly

to Hey quarter. talked where but expense out, wages is lot quarter. quarter about There The Steve. taken that look in costs, during we add quarter. the we up a third have past it ended entire of will When will at million. fourth the noise Brad, this the be salary $XX.X we you merger it’s in We be increased the

also have BTH. one said, expenses, month as of We you operating for

wage are the So, when in quarter. for the think we Again, we the of I at digit between And fourth we that’s say we third very that number $XX mid-single have if the and your run million models, increases during million fourth because then year, inflationary you going quarter, pressures reasonable. quarter. next would to end gotten the forward $XX from ahead salary had and up you increases extra

and but really we digits haven’t we $XX and think finalized that million quarter mid-single – think we million fourth so And mark. $XX the from budget,

Brad Milsaps

ahead Go Very helpful. you. Thank Drake.

Drake Mills

think is very me I Let this say important. because this

are We budget going we significant our and to grow, plan continue to this. at in have opportunities to for look

enhance we an we the but perspective, focused on opportunities the we significant that, And face that’s we growth. organization what NIM at in but yet will that is in the things as lag we same this think are our footprint profitable of doing growth, other through as to dislocation time, and from market. advantage recession. taking Even growth And go a see inflationary period,

on of some So, months next into months see saves of to that’s the necessary. XX as systems we budget that do the XX we top built this in cost the things what’s finalize as and

I not So, feel about we and growth continue currently dislocation really do, things that’s leverage operating of good are track. the the we taking advantage to need and forget market do the to about where in positive but

Brad Milsaps

it. And million the Got that $XX $XX would CDI correct, that in sense. step-up include to that number, million? Makes

Drake Mills

it of Yes, End does. Q&A

Operator

interruption apologizes This abruptly way partner in by was unforeseen for disruption. ended Origin does an sincerely and conferencing conclude issue. our due today’s to the no conference This as it caused telecommunications Bancorp

Chris Reigelman	Head, Investor Relations
Drake Mills	Chairman, President and Chief Executive Officer
Lance Hall	President and Chief Executive Officer, Origin Bank
Steve Brolly	Chief Accounting Officer
Jim Crotwell	Chief Risk Officer
Wally Wallace	Chief Financial Officer
Preston Moore	Chief Credit and Banking Officer
Michael Rose	Raymond James
Matt Olney	Stephens Inc
Brad Milsaps	Piper Sandler

Origin Bancorp (OBK) 29 Oct 222022 Q3 Earnings call transcript