Origin Bank
Choudrant, Louisiana · FDIC Cert #12614
Origin Bank is an FDIC-insured bank (Certificate #12614) with $9.9B in total assets and $8.6B in total deposits as of the Q2 2024 Call Report. Headquartered in Choudrant, Louisiana, the bank maintains a Tier 1 capital ratio of 12.16% (Well-Capitalized) and a nonperforming loan ratio of 0.95%. BankHealthData assigns a composite Health Grade of B (68/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Origin Bank (FDIC cert 12614) is a mid-sized bank with $9.9B in total assets and $8.6B in deposits, based in Choudrant, Louisiana. Mid-sized banks typically operate regionally with a mix of commercial and consumer lending.
Capital position is strong: Tier 1 capital ratio of 12.16% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is normal: non-performing loan ratio of 0.95% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 14.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 1.01% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is declining materially over the most recent quarters. Declining trends warrant attention — banks in this pattern often face follow-on regulatory engagement and elevated supervisory scrutiny. Origin Bank carries a composite BankHealth grade of B (68/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Origin Bank
- Total Assets
- $9.9B
- Total Deposits
- $8.6B
- Tier 1 Capital Ratio
- 12.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.95%
- Liquidity Ratio
- 14.81%
- Return on Assets
- 1.01%
- Headquarters
- Choudrant, Louisiana
- FDIC Certificate
- #12614
- Health Grade
- B (68/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Origin Bank holds a Tier 1 capital ratio of 12.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Origin Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Origin Bank shows strong financial health indicators. With $9.9B in assets and a Health Score of 68/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Origin Bank Compares
Origin Bank’s Health Score of 68 is 5 points above the Louisiana state average of 63 across 93 FDIC-insured banks. Its 12.16% Tier 1 capital ratio is 1.8 points below the US banking industry average near 14%. The 0.95% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 1.01% is below the national ROA benchmark of ~1.1%. Among 178 similarly-sized banks, the average Health Score is 76, meaning this bank ranks below its size cohort. Site-wide, Origin Bank is 2 points below the portfolio average of 70.
Frequently Asked Questions
Origin Bank has a Bank Health Score of B (68/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Origin Bank's Tier 1 capital ratio of 12.16% and nonperforming loan ratio of 0.95% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Origin Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #12614). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Origin Bank holds $9.9B in total assets and $8.6B in total deposits. It is headquartered in Choudrant, Louisiana (FDIC Certificate #12614).
Origin Bank has a Tier 1 capital ratio of 12.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.95%, and the return on assets is 1.01%.
Yes. Origin Bank is FDIC-insured (Certificate #12614). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Origin Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.