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Gary

Managing Director and Senior Research Analyst at D.A. Davidson

Gary Tenner is a Managing Director and Senior Research Analyst at D.A. Davidson, specializing in the finance sector with a primary focus on regional banks. He covers companies such as Texas Capital Bancshares (TCBI), Pacific Premier Bancorp (PPBI), Avidbank (AVBH), and Simmons Bank, among 33-55 publicly traded firms, and boasts an exceptional performance track record with a 75% success rate and average return of 18.8% per rating according to TipRanks, where he ranks #114 out of 9,221 Wall Street analysts. Tenner has issued over 240 ratings since at least 2013, predominantly Buy (57%) and Hold (43%) recommendations, demonstrating consistent profitability for investors. His career at D.A. Davidson spans more than a decade, with professional credentials including active FINRA registrations as a research analyst covering financial institutions.

Gary's questions to Origin Bancorp (OBK) leadership

Question · Q4 2025

Gary from D.A. Davidson asked about the significant decrease in swap activity during the quarter, questioning if there was an unusual reason given expected rate cuts. He also inquired if there was room to further reduce the securities portfolio to fund stronger loan growth, and the current status of brokered deposits.

Answer

Jim Crotwell (Chief Risk Officer) clarified that the third quarter's swap activity was 'extraordinary,' and the current quarter's level was more normalized, with good volumes expected for the year. Lance Hall (President and CEO, Origin Bank) and Wally Wallace (Chief Financial Officer) stated that the securities portfolio is at its target 11%-12% of assets, and they do not anticipate further reduction to fund loan growth; instead, it would build accordingly. They noted ample liquidity, partly seasonal, and confirmed that Origin Bancorp currently has no brokered deposits.

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Question · Q4 2025

Gary from D.A. Davidson inquired about the minimal swap activity in Q4, despite expected rate cuts, and whether there is flexibility to further reduce the securities portfolio to fund stronger loan growth, or if it's assumed to be fully reinvested.

Answer

Lance Hall, President and CEO of Origin Bank, clarified that Q3 swap activity was "extraordinary," and Q4 normalized, still expecting good volumes for the year. Wally Wallace, Chief Financial Officer, stated that the securities portfolio is already worked down to a reasonable 11%-12% of the balance sheet, and the bank does not anticipate further shifts from securities to loans. He noted that if loan growth accelerates, the securities portfolio would build accordingly. Drake Mills, Chairman, President and CEO, added that strong core deposit growth in the past year allowed the bank to replace all brokered deposits, indicating strong liquidity.

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