Origin Bancorp reported fourth-quarter earnings of $0.95 per share, surpassing the Zacks Consensus Estimate of $0.88 by 7 cents and more than doubling the $0.46 posted in the year-ago quarter. Net income rose to $28.4 million from $13.7 million a year earlier, driven by a 12% increase in total loan balances and a 15 basis-point expansion in net interest margin. Non-interest income also contributed, climbing 9% year-over-year on higher service fees and mortgage banking revenue. The bank’s efficiency ratio improved to 56.8%, down from 62.3% in Q4 2024, reflecting disciplined expense management and a 6% reduction in non-interest expenses.