Origin Bancorp expects low-double-digit net interest income growth in 2026
OBK•Origin Bancorp expects low-double-digit annual net interest income growth in 2026, with a 3.85% full-year net interest margin and high-single-digit loan growth excluding mortgage warehouse lending. Its third-quarter net interest margin was 3.94%, and net income rose 11.6% to $37.8 million.
1. 2026 outlook
Origin Bancorp forecasts a fourth-quarter 2026 net interest margin of 4% and a full-year margin of 3.85%, each within 5 basis points. It expects low-double-digit net interest income growth across both periods, high-single-digit loan growth excluding mortgage warehouse lending, mid-to-high-single-digit deposit growth and mid-single-digit noninterest expense growth. The margin and net interest income outlook assumes one 25-basis-point rate increase in December 2026.
2. Third-quarter results
Third-quarter net interest margin reached 3.94%, up 2 basis points sequentially, while net income rose 11.6% to $37.8 million.
