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3Q TWENTY24 INVESTOR PRESENTATION ORIGIN BANCORP, INC.

2 FORWARD-LOOKING STATEMENTS AND NON-GAAP MEASURES This presentation contains certain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements include information regarding Origin Bancorp, Inc.'s ("Origin" or the "Company") future financial performance, business and growth strategies, projected plans and objectives, and any expected purchases of its outstanding common stock, and related transactions and other projections based on macroeconomic and industry trends, including changes to interest rates by the Federal Reserve and the resulting impact on Origin's results of operations, estimated forbearance amounts and expectations regarding the Company's liquidity, including in connection with advances obtained from the FHLB, which are all subject to change and may be inherently unreliable due to the multiple factors that impact broader economic and industry trends, and any such changes may be material. Such forward-looking statements are based on various facts and derived utilizing important assumptions and current expectations, estimates and projections about Origin and its subsidiaries, any of which may change over time and some of which may be beyond Origin's control. Statements or statistics preceded by, followed by or that otherwise include the words "assumes," "anticipates," "believes," "estimates," "expects," “foresees,” "intends," "plans," "projects," and similar expressions or future or conditional verbs such as "could," "may," “might,” "should," "will," and "would" and variations of such terms are generally forward-looking in nature and not historical facts, although not all forward-looking statements include the foregoing words. Further, certain factors that could affect the Company's future results and cause actual results to differ materially from those expressed in the forward-looking statements include, but are not limited to: the impact of current and future economic conditions generally and in the financial services industry, nationally and within Origin’s primary market areas, including the effects of declines in the real estate market, high-profile bank failures, high unemployment rates, inflationary pressures, elevated interest rates and slowdowns in economic growth, as well as the financial stress on borrowers and changes to customer and client behavior as a result of the foregoing; changes in benchmark interest rates and the resulting impacts on net interest income; deterioration of Origin's asset quality; factors that can impact the performance of Origin's loan portfolio, including real estate values and liquidity in Origin's primary market areas; the financial health of Origin's commercial borrowers and the success of construction projects that Origin finances; changes in the value of collateral securing Origin's loans; developments in our mortgage banking business, including loan modifications, general demand, and the effects of judicial or regulatory requirements or guidance; Origin's ability to anticipate interest rate changes and manage interest rate risk (including the impact of higher interest rates on macroeconomic conditions, competition, and the cost of doing business and the impact of prolonged elevated interest rates on our financial projections, models and guidance); the effectiveness of Origin's risk management framework and quantitative models; Origin's inability to receive dividends from Origin Bank and to service debt, pay dividends to Origin's common stockholders, repurchase Origin's shares of common stock and satisfy obligations as they become due; the impact of labor pressures; changes in Origin's operation or expansion strategy or Origin's ability to prudently manage its growth and execute its strategy; changes in management personnel; Origin's ability to maintain important customer relationships, reputation or otherwise avoid liquidity risks; increasing costs as Origin grows deposits; operational risks associated with Origin's business; significant turbulence or a disruption in the capital or financial markets and the effect of market disruption and interest rate volatility on our investment securities; increased competition in the financial services industry, particularly from regional and national institutions, as well as from fintech companies, difficult market conditions and unfavorable economic trends in the United States generally, and particularly in the market areas in which Origin operates and in which its loans are concentrated; Origin's level of nonperforming assets and the costs associated with resolving any problem loans including litigation and other costs; the credit risk associated with the substantial amount of commercial real estate, construction and land development, and commercial loans in Origin's loan portfolio; changes in laws, rules, regulations, interpretations or policies relating to financial institutions, and potential expenses associated with complying with such regulations; periodic changes to the extensive body of accounting rules and best practices; further government intervention in the U.S. financial system; a deterioration of the credit rating for U.S. long-term sovereign debt or actions that the U.S. government may take to avoid exceeding the debt ceiling; a potential U.S. federal government shutdown and the resulting impacts; compliance with governmental and regulatory requirements, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and others relating to banking, consumer protection, securities, and tax matters; Origin's ability to comply with applicable capital and liquidity requirements, including its ability to generate liquidity internally or raise capital on favorable terms, including continued access to the debt and equity capital markets; changes in the utility of Origin's non-GAAP liquidity measurements and its underlying assumptions or estimates; possible changes in trade, monetary, and fiscal policies, laws, and regulations and other activities of governments, agencies and similar organizations; natural disasters and adverse weather events, acts of terrorism, an outbreak of hostilities (including the impacts related to or resulting from Russia's military action in Ukraine, or the conflict in Israel and surrounding areas, including the imposition of additional sanctions and export controls, as well as the broader impacts to financial markets and the global macroeconomic and geopolitical environments), regional or national protests and civil unrest (including any resulting branch closures or property damage), widespread illness or public health outbreaks or other international or domestic calamities, and other matters beyond Origin's control; the impact of generative artificial intelligence; fraud or misconduct by internal or external actors (including Origin employees) which Origin may not be able to prevent, detect or mitigate, system failures, cybersecurity threats or security breaches and the cost of defending against them; Origin’s ability to maintain adequate internal controls over financial and non-financial reporting; and potential claims, damages, penalties, fines, costs and reputational damage resulting from pending or future litigation, regulatory proceedings and enforcement actions. For a discussion of these and other risks that may cause actual results to differ from expectations, please refer to the sections titled "Cautionary Note Regarding Forward-Looking Statements" and "Risk Factors" in Origin's most recent Annual Report on Form 10-K filed with the Securities and Exchange Commission ("SEC") and any updates to those sections set forth in Origin's subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K. If one or more events related to these or other risks or uncertainties materialize, or if Origin's underlying assumptions prove to be incorrect, actual results may differ materially from what Origin anticipates. Accordingly, you should not place undue reliance on any forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and Origin does not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments, or otherwise. New risks and uncertainties arise from time to time, and it is not possible for Origin to predict those events or how they may affect Origin. In addition, Origin cannot assess the impact of each factor on Origin's business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements. All forward-looking statements, expressed or implied, included in this communication are expressly qualified in their entirety by this cautionary statement. This cautionary statement should also be considered in connection with any subsequent written or oral forward-looking statements that Origin or persons acting on Origin's behalf may issue. Annualized, pro forma, adjusted projected and estimated numbers are used for illustrative purposes only, are not forecasts, and may not reflect actual results. Certain prior period amounts have been reclassified to conform to the current year financial statement presentations. These reclassifications did not impact previously reported net income or comprehensive income. Origin reports its results in accordance with generally accepted accounting principles in the United States ("GAAP"). However, management believes that certain supplemental non-GAAP financial measures may provide meaningful information to investors that is useful in understanding Origin's results of operations and underlying trends in its business. However, non-GAAP financial measures are supplemental and should be viewed in addition to, and not as an alternative for, Origin's reported results prepared in accordance with GAAP. The following are the non-GAAP measures used in this presentation: PTPP earnings, PTPP ROAA, tangible book value per common share, adjusted tangible book value per common share, tangible common equity to tangible assets, return on average tangible common equity and core efficiency ratio. Please see “Reconciliation of Non-GAAP Financial Measures” at the end of this presentation for reconciliations of non-GAAP measures to the most directly comparable financial measures calculated in accordance with GAAP. ORIGIN BANCORP, INC. _______

ORIGIN BANCORP, INC. _______ LOUISIANA Entry: 1912 Loans: $1,455 Deposits: $2,912 DOLLARS IN MILLIONS, UNAUDITED (1) (2) 3 DEPOSITS & LOANS BY STATE Note: All financial information is as of September 30, 2024. Map location counts include full service branches only. Please see slide 29 for all footnote references included above. MISSISSIPPI Entry: 2010 Loans: $568 Deposits: $559 7% 8% 37% 19% 56% 73% Loans (2)Deposits (1) ICS ICS TEXAS Dallas/Fort Worth Houston East Texas Entry: 2008 Entry: 2013 Entry: 2022 Loans: $2,970 Loans: $2,034 Loans: $426 Deposits: $2,027 Deposits: $1,406 Deposits: $916 Total Texas Loans: $5,430 Total Texas Deposits: $4,349 SOUTHEAST (FL/AL) Entry: 2024 Loans: $9 Deposits: $35 15 9 9 18 7 *1 *Fort Walton Beach, Florida location coming soon

Net Domestic Migration from April 1, 2020 to July 1, 2023 STRONG NET MIGRATION INTO OUR MARKETS WEST -774,966 MIDWEST -480,336 NORTHEAST -1,181,700 SOUTH +2,437,002 4 TEXAS SOUTH ALABAMA & FLORIDA PANHANDLE l Baldwin County - 7th fastest growing metro area in the country l High-tech employment population l 7 of top 10 US defense contractors have a presence in the region l Mobile, AL - 14th largest US port by volume l Mobile Harbor project will make it the deepest harbor in the Gulf of Mexico in 2025 l 8th largest economy in the world l #1 in jobs created in 2023 with 369,600 jobs added l Home to 55 Fortune 500 company headquarters l Texas boasts the 2nd largest civilian workforce in the US with over 15 million workers l Texas is the leading destination for corporate relocation & expansion projects l Texas is home to 3.2 million small businesses and hundreds of publicly traded companies l Texas led the nation in high tech exports for the 11th year in a row in 2023 ORIGIN STRATEGICALLY INVESTS I N T E X A S & S O U T H E A S T THE MOST DYNAMIC GROWTH MARKETS IN THE COUNTRY (3)

5 ORIGIN BANCORP, INC. _______

ORIGIN BANCORP, INC. _______ • Net interest income for the quarter ended September 30, 2024, was $74.8 million, an increase of $914,000, or 1.2%, compared to the quarter ended June 30, 2024. • As of September 30, 2024, noninterest-bearing deposits were $1.89 billion, or 22.3%, of total deposits, reflecting a $27.1 million, or 1.5%, increase from $1.87 billion, or 21.9%, of total deposits at June 30, 2024. • Stockholders’ equity was $1.15 billion at September 30, 2024, reflecting an increase of $49.8 million, or 4.5%, compared to June 30, 2024. • Our book value per common share was $36.76 as of September 30, 2024, reflecting an increase of $1.53, or 4.3%, compared to June 30, 2024. Tangible book value per common share(4) was $31.37 at September 30, 2024, reflecting an increase of $1.60, or 5.4%, compared to June 30, 2024. • As of September 30, 2024, the ratio of Company-level common equity Tier 1 capital to risk-weighted assets was 12.46%, the Tier 1 leverage ratio was 10.93%, and the total capital ratio was 15.45%(18). Key Performance Metrics 3Q24 2Q24 B al an ce S he et Total Loans Held for Investment ("LHFI") $ 7,956,790 $ 7,959,171 Total Assets 9,965,986 9,947,182 Total Deposits 8,486,568 8,510,842 In co m e St at em en t Net Income $ 18,601 $ 20,989 Pre-Tax, Pre-Provision ("PTPP") Earnings(4) 28,272 31,967 Diluted EPS 0.60 0.67 Se le ct ed R at io s NIM - FTE 3.18 % 3.17 % Return on Average Assets (annualized) ("ROAA") 0.74 0.84 PTPP ROAA (annualized)(4) 1.13 1.28 Return on Average Stockholders’ Equity (annualized) ("ROAE") 6.57 7.79 Book Value per Common Share $ 36.76 $ 35.23 Tangible Book Value per Common Share(4) 31.37 29.77 Adjusted Tangible Book Value per Common Share(4) 34.39 33.86 Tangible Common Equity to Tangible Assets(4) 9.98 % 9.47 % Return on Average Tangible Common Equity (annualized) ("ROATCE")(4) 7.74 9.25 Efficiency Ratio 68.86 66.82 Core Efficiency Ratio(4) 67.48 65.55 ALCL to Total LHFI 1.21 1.27 DOLLARS IN THOUSANDS, EXCEPT PER SHARE AMOUNTS UNAUDITED 6 PERFORMANCE HIGHLIGHTS AT-A-GLANCE - THIRD QUARTER 2024 3Q24 Key Highlights Please see slide 29 for all footnote references included above.

ORIGIN BANCORP, INC. _______ TRENDING KEY MEASURES UNAUDITED Diluted EPS ($)Net Income ($) Total LHFI, Adjusted(5) ($) Total Deposits ($) 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 8,487 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4,094 7,462 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 DOLLARS IN THOUSANDS 7 Total LHFI ($) DOLLARS IN MILLIONS 5,725 7,957 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 DOLLARS IN MILLIONS DOLLARS IN MILLIONS Please see slide 29 for all footnote references included above. CAGR 9.2% CAGR 17.4% CAGR 10.9% 5,751 17,552 18,601 Core Efficiency Ratio(4) (%) (Non-GAAP) 55.95 67.48 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 26.23 31.37 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 Tangible Book Value per Common Share(4) ($) (Non-GAAP) 25.14 34.39 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 Adj Tangible Book Value per Common Share(4) ($) (Non-GAAP) CAGR 4.9% CAGR 8.7% 0.75 0.60

ORIGIN BANCORP, INC. _______ ASSET AND STOCKHOLDERS' EQUITY GROWTH 1997 - 3Q24 DOLLARS IN MILLIONS Total Assets ($) 148 9,966 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 20 06 20 07 20 08 20 09 20 10 20 11 20 12 20 13 20 14 20 15 20 16 20 17 20 18 20 19 20 20 20 21 20 22 20 23 3Q 24 Total Stockholders' Equity ($) 11 1,146 19 97 19 98 19 99 20 00 20 01 20 02 20 03 20 04 20 05 20 06 20 07 20 08 20 09 20 10 20 11 20 12 20 13 20 14 20 15 20 16 20 17 20 18 20 19 20 20 20 21 20 22 20 23 3Q 24 CAGR 17.0% CAGR 18.8% 8 1,762 1,285 Origin Bancorp, Inc. Cumulative Return ($) KBW Nasdaq Bank Total Return Index ($) 12 /3 1/ 96 12 /3 1/ 97 12 /3 1/ 98 12 /3 1/ 99 12 /3 1/ 00 12 /3 1/ 01 12 /3 1/ 02 12 /3 1/ 03 12 /3 1/ 04 12 /3 1/ 05 12 /3 1/ 06 12 /3 1/ 07 12 /3 1/ 08 12 /3 1/ 09 12 /3 1/ 10 12 /3 1/ 11 12 /3 1/ 12 12 /3 1/ 13 12 /3 1/ 14 12 /3 1/ 15 12 /3 1/ 16 12 /3 1/ 17 12 /3 1/ 18 12 /3 1/ 19 12 /3 1/ 20 12 /3 1/ 21 12 /3 1/ 22 12 /3 1/ 23 0 500 1,000 1,500 2,000 2,500 Total Shareholder Return(6) ($) IPO Please see slide 29 for all footnote references included above. DOLLARS IN MILLIONS UNAUDITED

ORIGIN BANCORP, INC. _______ 9 2,247 2,620 4,747 5,276 5,430 1,343 1,545 2,747 2,993 2,970 904 1,075 1,631 1,837 2,034 369 446 426 DFW Houston East Texas 2020 2021 2022 2023 3Q24 Deposit Trends by Texas Market(1) ($) Loan Trends by Texas Market(2) ($) TEXAS GROWTH STORY Texas Franchise Highlights DOLLARS IN MILLIONS • 33 locations throughout 10 counties including the 4th and 5th largest MSAs in the United States.(7) • Texas franchise represents 73% of LHFI(2) and 56% of deposits(1) at September 30, 2024. 2,574 3,132 4,261 4,108 4,349 1,581 1,925 2,196 1,994 2,027 993 1,207 1,173 1,205 1,406 892 909 916 DFW Houston East Texas 2020 2021 2022 2023 3Q24 CAGR 26.5% CAGR 15.0% Please see slide 29 for all footnote references included above. DOLLARS IN MILLIONS UNAUDITED

ORIGIN BANCORP, INC. _______ 10 LOAN GROWTH 4,094 4,498 6,805 7,331 7,462 4,094 4,498 5,593 7,331 7,462 1,212 Origin BTH 2020 2021 2022 2023 3Q24 0 2,000 4,000 6,000 8,000 LHFI Key Data DOLLARS IN MILLIONS IDT • Total LHFI, excluding MW LOC, were $7.46 billion at September 30, 2024, reflecting an increase of $8.9 million, or 0.1%, compared to June 30, 2024. • Total MW LOC were $495.2 million, or 6.2%, of total LHFI at September 30, 2024. LHFI Growth excluding MW LOC(8) ($) 1,732 1,872 2,894 3,013 3,066 1,732 1,872 2,267 3,013 3,066 627 Origin BTH 2020 2021 2022 2023 3Q24 0 1,000 2,000 3,000 4,000 C&I and Owner Occupied CRE Growth(8) ($) Please see slide 29 for all footnote references included above. DOLLARS IN MILLIONS UNAUDITED

ORIGIN BANCORP, INC. _______ Commercial & Industrial ("C&I") 27% Owner Occupied Commercial Real Estate ("CRE") Non-Owner Occupied CRE 20% C&D: 12% Multi- Family Real Estate Residential Real Estate - Single Family & Consumer Real Estate & Construction: 9% Retail Shopping: 6% Multi-Family Real Estate: 5% Office Building: 5% Multi-Family under Construction: 4% Healthcare: 2% Hotel: 1% Consumer: 1% Auto-Related: 1% Restaurant: 1% Professional Svcs.: 1% Misc.: 1% Finance & Insurance: 8% Real Estate & Construction: 6% MW LOC: 6% Energy: 3% Transportation Svcs: 2% Healthcare: 2% Retail Shopping: 2% Retail Dealers: 2% Restaurants: 1% Entertainment: 1% Professional Svcs: 1% Consumer Svcs: 1% Commercial Svcs: 1% Wholesale Distribution: 1% Banks: 1% Misc: 7% 11 WELL DIVERSIFIED LOAN PORTFOLIO (Dollars in thousands) 3Q24 2Q24 1Q24 4Q23 3Q23 C&I $ 2,074,037 $ 2,070,947 $ 2,154,151 $ 2,059,460 $ 2,058,073 Owner Occupied CRE 991,671 959,850 948,624 953,822 932,109 MW LOC 495,188 506,505 400,995 329,966 286,293 Total Commercial 3,560,896 3,537,302 3,503,770 3,343,248 3,276,475 Non-Owner Occupied CRE 1,533,093 1,563,152 1,472,164 1,488,912 1,503,782 C&D 991,545 1,017,389 1,168,597 1,070,225 1,076,756 Multi-Family Real Estate 434,317 398,202 359,765 361,239 349,787 Residential Real Estate- Single Family 1,414,013 1,421,027 1,373,532 1,373,696 1,338,382 Consumer Loans 22,926 22,099 22,199 23,624 22,881 Total LHFI $ 7,956,790 $ 7,959,171 $ 7,900,027 $ 7,660,944 $ 7,568,063 Loan Portfolio Details Non-Owner Occupied CRE, C&D and Multi-Family: $2,959 million C&I, Owner Occupied CRE and MW LOC: $3,561 million C&I, Owner Occupied CRE, MW LOC: 45% Non-Owner Occupied CRE, C&D, Multi-Family: 37% Loan Composition at September 30, 2024: $7,957 million Please see slide 29 for all footnote references included above. UNAUDITED (9) MW LOC 5% 18% 12% 6%

ORIGIN BANCORP, INC. _______ 0.85 1.05 1.07 1.49 1.35 0.14 0.10 0.13 0.15 0.48 Classified LHFI / Total LHFI (%) Net Charge-Offs / Average LHFI (annualized) 3Q23 4Q23 1Q24 2Q24 3Q24 0.42 0.39 0.51 0.95 0.81 0.27 0.34 0.42 0.83 0.49 Nonperforming LHFI / LHFI (%) Past due LHFI / LHFI (%) 3Q23 4Q23 1Q24 2Q24 3Q24 12 CREDIT QUALITY Asset Quality Trends (%) Allowance for Loan Credit Losses ("ALCL") 95,177 96,868 98,375 100,865 95,989 1.26 1.26 1.25 1.27 1.21 1.30 1.31 1.30 1.34 1.28 ALCL as a percentage of LHFI, adjusted (%) ALCL as a percentage of LHFI (%) ALCL ($) 3Q23 4Q23 1Q24 2Q24 3Q24 • Provision for loan credit loss expense for 3Q24 was $4.6 million, compared to $5.4 million in 2Q24, and $3.5 million in 3Q23. • The decrease in provision expense from 2Q24 was primarily driven by the additional loan provision recorded in 2Q24, due to certain questioned activity involving a single former banker, who has since been terminated, in our East Texas market, with no equivalent expense in 3Q2024. • ALCL to nonperforming LHFI is 149.35% at 3Q24, 133.05% at 2Q24, and 301.12% at 3Q23. DOLLARS IN THOUSANDS (10) Please see slide 29 for all footnote references included above. UNAUDITED

ORIGIN BANCORP, INC. _______ Texas: 76% Mississippi: 13% Louisiana: 6% Out of Market: 5% 13 Medical: 25% Financial: 16% National Credit Tenant: 15% Law Firms: 11% Energy: 10% Other: 23% CRE OFFICE - STRENGTH AND DIVERSIFICATION Tenant Classification at September 30, 2024 $364.7 $364.7 Geographic Diversification at September 30, 2024 DOLLARS IN THOUSANDS September 30, 2024 Avg. Loan Size $ 2,353 Weighted Avg. LTV 59.01 % Past Due Loans / Loans — Classified Loans / Loans 0.51 NPL / Loans — NCOs / Avg. Loans (annualized) — ALCL / Loans 0.76 Key Portfolio Metrics DOLLARS IN MILLIONS DOLLARS IN MILLIONS NON-OWNER OCCUPIED, UNAUDITED Sensitivity Analysis(11) (%) 1.34 1.08 54.83 79.82 Current DSC Stressed DSC Current LTV Stressed LTV Non-Owner Occupied CRE Office (12) Please see slide 29 for all footnote references included above. (13)

ORIGIN BANCORP, INC. _______ 14 SELECTED SECTORS - KEY PORTFOLIO METRICS September 30, 2024 Multi-Family Real Estate + Under Construction Hotel Retail Shopping Outstanding Loan Balance $ 701,527 $ 106,268 $ 648,764 % of LHFI 8.82 % 1.34 % 8.15 % Avg. Loan Size $ 3,876 $ 5,060 $ 1,634 Weighted Avg. LTV 56.44 % 57.30 % 63.81 % Past Due Loans / Loans 0.28 — 0.13 Classified Loans / Loans 0.39 1.88 0.29 NPL / Loans 0.12 — 0.02 NCOs / Avg. Loans (annualized) 0.01 — (0.01) ALCL / Loans 0.89 1.01 0.70 DOLLARS IN THOUSANDS, UNAUDITED

ORIGIN BANCORP, INC. _______ Treasury/Agency: 4% MBS: 49% CMO: 15% Municipal: 25% Corporate: 7% 1,527 1,291 1,244 1,190 1,185 2.46 2.50 2.51 2.54 2.50 Total Securities ($) Yield (%) 3Q23 4Q23 1Q24 2Q24 3Q24 Investment Securities Average Balance and Yield INVESTMENT SECURITIES DOLLARS IN MILLIONS • Total securities portfolio weighted average effective duration was 4.21 years at September 30, 2024, compared to 4.28 years at June 30, 2024. • Expected principal cash flows from investments with no rate changes: • 2024: $40.0 million • 2025: $112.5 million • 2026: $134.3 million 15 (172.7) (121.0) (124.9) (127.2) (94.2) 3Q23 4Q23 1Q24 2Q24 3Q24 Accumulated Other Comprehensive Loss(14) ($) Investment Securities - AFS at September 30, 2024 Please see slide 29 for all footnote references included above. $1.16B DOLLARS IN MILLIONS UNAUDITED

ORIGIN BANCORP, INC. _______ Total Loans at September 30, 2024 (Dollars in thousands) Repricing or Maturity Term Rate Structure 1 Year or less > 1 to 3 Years > 3 to 5 Years > 5 to 10 Years > 10 Years Total Floating Rate(15) Variable Rate(15) Fixed Rate Commercial and industrial $ 1,728,933 $ 165,789 $ 147,016 $ 32,299 $ — $ 2,074,037 $ 1,649,124 $ 1,404 $ 423,509 Owner Occupied CRE 310,375 272,484 225,257 183,555 — 991,671 258,225 5,156 728,290 MW LOC 495,188 — — — — 495,188 495,188 — — Total Commercial 2,534,496 438,273 372,273 215,854 — 3,560,896 2,402,537 6,560 1,151,799 Non-Owner Occupied CRE 679,143 490,887 272,982 90,081 — 1,533,093 527,905 2,535 1,002,653 C&D 700,552 168,223 95,648 13,637 13,485 991,545 598,945 30,058 362,542 Multi-Family Real Estate 218,002 149,162 46,779 9,946 10,428 434,317 151,438 — 282,879 Residential Real Estate - Single Family 382,513 212,588 378,295 252,311 188,306 1,414,013 213,710 734,932 465,371 Consumer 11,722 6,992 3,794 378 40 22,926 5,547 120 17,259 Total LHFI $ 4,526,428 $ 1,466,125 $ 1,169,771 $ 582,207 $ 212,259 $ 7,956,790 $ 3,900,082 $ 774,205 $ 3,282,503 % of total 57 % 18 % 15 % 7 % 3 % 100 % 49 % 10 % 41 % Weighted Average Coupon Rate 7.32 4.59 5.97 4.33 5.19 6.33 7.64 4.75 5.19 AFS & HTM Securities at September 30, 2024 (Dollars in thousands) Maturity & Projected Principal Cashflow Total1 Year or less > 1 to 3 Years > 3 to 5 Years > 5 to 10 Years > 10 Years Projected cash flow $ 123,793 $ 265,701 $ 260,332 $ 446,977 $ 172,990 $ 1,269,793 % of Total 10 % 21 % 21 % 34 % 14 % 100 % LOANS & SECURITIES- REPRICING OR MATURITY 16 UNAUDITED Please see slide 29 for all footnote references included above.

ORIGIN BANCORP, INC. _______ Real Estate Rental & Leasing: 7% Finance & Insurance: 7% Construction: 6% Professional, Scientific, & Technical Svcs: 5% Other Business Deposits 2% or less: 5% Mgmt of Companies & Enterprises: 3% Affiliate: 3% Manufacturing: 3% Healthcare & Social Assistance: 2% Mining: 2% Other Svcs (except Public Admin.): 2% Wholesale Trade: 1% Retail Trade: 1%Misc: 7% 17 DEPOSIT DETAIL (Dollars in thousands) 3Q24 2Q24 1Q24 4Q23 3Q23 QoQ % Δ Total Deposits $ 8,486,568 $ 8,510,842 $ 8,505,464 $ 8,251,125 $ 8,374,488 (0.3) % FDIC Insured (3,464,116) (3,442,636) (3,447,538) (3,425,268) (3,434,530) 0.6 FDIC Insured Reciprocal (1,093,952) (799,221) (801,145) (801,699) (781,054) 36.9 FDIC Insured Brokered Deposits (431,609) (636,814) (597,110) (444,989) (669,202) (32.2) Total Estimated FDIC Uninsured Deposits 3,496,891 3,632,171 3,659,671 3,579,169 3,489,702 (3.7) Collateralized Public Funds (714,431) (771,419) (836,150) (849,603) (739,329) (7.4) Uninsured/ Uncollateralized Deposits ($) $ 2,782,460 $ 2,860,752 $ 2,823,521 $ 2,729,566 $ 2,750,373 (2.7) Uninsured/ Uncollateralized Deposits (%) 32.8 % 33.6 % 33.2 % 33.1 % 32.8 % Deposit Detail Geographic Concentration(1) at September 30, 2024 Commercial Deposit Composition: $4,633 millionDeposit Composition at September 30, 2024(16): $8,487 million Commercial Public Funds 35% 21% 4% 1% 7% 32% Consumer MississippiLouisiana Texas- DFW TX- East TexasTexas- Houston Please see slide 29 for all footnote references included above. UNAUDITED Southeast 17% 17% 19% 38% 9% 5% 13% 14% 52% 15% 1% Commercial: 54% Consumer: 31% Public: 10% Brokered: 5%

ORIGIN BANCORP, INC. _______ 18 8,443 8,361 8,439 8,559 8,498 4,728 4,785 5,009 5,130 5,178 2,088 1,973 1,866 1,894 1,850 1,627 1,603 1,564 1,535 1,470 Interest-bearing Demand Noninterest-bearing Time Deposits 3Q23 4Q23 1Q24 2Q24 3Q24 Average Deposits ($) DEPOSIT TRENDS Deposit Cost Trends (QTD Annualized) (%) IDT Total Deposit Beta (%) DOLLARS IN MILLIONS UNAUDITED 0.00 0.51 0.19 1.22 Change in Cost of Total Deposits (%) 0.170.29 -50.00 10.48 23.25 35.21 42.16 46.72 50.48 53.33 55.05 56.95 0.12 0.77 2.18 3.65 4.51 4.99 5.26 5.33 5.33 5.33 5.26 Cumulative Deposit Beta Average Quarterly Fed Funds Rate 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 0.54 0.49 2.58 3.56 4.04 4.24 4.35 4.46 4.47 0.26 0.64 1.54 2.49 3.05 3.47 3.71 3.85 3.95 4.01 0.41 1.02 1.75 2.26 2.61 2.84 2.99 3.08 3.14 Time Deposits Cost of Interest-bearing Deposits Cost of Total Deposits 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 (0.02) 0.02 0.22 0.61 0.73 0.51 0.35 0.23 0.15 0.09 0.06 Change in Cost of Total Deposits 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24

ORIGIN BANCORP, INC. _______ 19 YIELDS AND COSTS Yield on LHFI (%) Cost of Funds (%) • At 3Q24, LHFI with fixed rates = 41% and LHFI with floating/variable rates = 59%. • At 3Q24, Prime-based = $2.10 billion, SOFR-based = $2.30 billion and other index-based loans = $273.5 million. UNAUDITED 6.35 6.46 6.58 6.58 6.67 8.43 8.50 8.50 8.50 8.43 5.20 5.33 5.33 5.33 5.33 Yield on LHFI Avg. Prime Rate 30 Day Avg. SOFR 3Q23 4Q23 1Q24 2Q24 3Q24 2.74 2.89 3.04 3.12 3.18 3.47 3.71 3.85 3.95 4.01 2.61 2.84 2.99 3.08 3.14 Cost of Total Deposits & Borrowings Cost of Interest Bearing Deposits Cost of Total Deposits 3Q23 4Q23 1Q24 2Q24 3Q24

ORIGIN BANCORP, INC. _______ 74,130 72,989 73,323 73,890 74,804 67,292 67,775 67,540 65,781 65,502 6,838 5,214 5,783 8,109 9,302 3.14 3.19 3.19 3.17 3.18 Net Interest Income excl. MW LOC MW LOC Interest Income NIM (FTE) 3Q23 4Q23 1Q24 2Q24 3Q24 20 DOLLARS IN THOUSANDS, UNAUDITED NET INTEREST INCOME AND NIM TRENDS 3.17 0.06 0.03 0.03 (0.01) (0.01) (0.02) (0.07) 2Q 24 Rea l E sta te Lo an s MW LO C Tim e D ep os its C&I IB B al. D FB Equ ity S ec . H eld in ot hr. In st. Sav ing s a nd IB Tr an sc . A cc ts 3Q 24 2.00 3.00 24.64 29.52 21.01 8.58 2.04 2.480.12 0.77 2.18 3.65 4.99 5.26 5.33 5.26 Cumulative NIM-FTE Beta Average Quarterly Fed Funds Rate 1Q22 2Q22 3Q22 4Q22 2Q23 3Q23 4Q23 1Q24 3Q24 NIM Beta - 3Q24 (%) 1.54 2.48 4.51 NIM-FTE Changes - 3Q24 (%) NIM-FTE Changes - 3Q24 (%) 73,32372,989 1,362 1,537 568 432 (298) (3,267) 4Q 23 RE Lo an s C&I MW LO C Othe r FH LB & O the r Bor ro wing s Sav ing s & IB Tr an sa c. Acc ts. 1Q 24 40,000 60,000 80,000 • For the first time since early 2020, the federal funds target rate range was reduced by 50 basis points on September 18, 2024, to 4.75% to 5.00%. • For the first time since the quarter ended September 30, 2022, the quarter-over-quarter increase in our yield on LHFI exceeded the increase in our rate on total deposits. The yield on LHFI increased nine basis points from 2Q24, while the rate on total deposits increased six basis points from 2Q24. Net Interest Income & NIM ($) 3.18

ORIGIN BANCORP, INC. _______ 13,962 13,503 16,648 15,809 14,859 6,443 5,446 7,725 6,665 6,928 4,621 4,889 4,688 4,862 4,664 2,006 2,118 2,247 2,404 2,114 892 1,050 1,988 1,878 1,153 Insurance Commission & Fee Income Service Charges & Fees Other Fee Income Mortgage Banking Revenue 3Q23 4Q23 1Q24 2Q24 3Q24 21 92,249 81,185 90,578 96,355 90,793 Net Interest Income Noninterest Income 3Q23 4Q23 1Q24 2Q24 3Q24 Major Components of Noninterest Income(17) ($) Net Interest Income + Noninterest Income ($) NET REVENUE DISTRIBUTION Components of Other Noninterest Income ($) 3Q24 2Q24 1Q24 4Q23 3Q23 Swap Fee Income $ 106 $ 44 $ 57 $ 196 $ 366 Gain on Subordinated Debentures — 81 — — — Gain (loss) on Sale of Securities 221 — (403) (4,606) (7,173) Positive Valuation Adj. on Non-Marketable Equity Securities — 5,188 — — 10,096 MSR Gain (Impairment) — — 410 (1,769) — Gain on Bank Property Sale — 800 — — — Other 803 543 543 872 868 Total $ 1,130 $ 6,656 $ 607 $ (5,307) $ 4,157 80.4% 82.4% Please see slide 29 for all footnote references included above. DOLLARS IN THOUSANDS, UNAUDITED 76.7%81.0%89.9%

ORIGIN BANCORP, INC. _______ 22 Efficiency Ratios (%) NONINTEREST EXPENSE ANALYSIS DOLLARS IN THOUSANDS Noninterest Expense Composition ($) Consolidated Efficiency Ratio Core Efficiency Ratio 3Q23 4Q23 1Q24 2Q24 3Q24 Operating Leverage (%) E FF IC IE N C Y R AT IO (% ) N IE / AV E R A G E A S S E TS (% ) 2.32 2.48 2.39 2.59 2.49 63.59 75.02 64.81 66.82 68.86 3Q23 4Q23 1Q24 2Q24 3Q24 40 60 80 100 1.5 2.0 2.5 3.0 63 .5 9 60 .4 9 70 .5 5 75 .0 2 Please see slide 29 for all footnote references included above. 65 .2 4 68 .8 6 (4) UNAUDITED 67 .4 8 64 .8 1 66 .8 2 65 .5 558,663 60,906 58,707 64,388 62,521 34,624 35,931 35,818 38,109 38,491 6,790 6,912 6,645 7,009 6,298 2,775 3,062 3,145 3,468 3,4702,868 2,947 2,502 3,072 2,984 2,264 2,259 2,137 2,137 1,905 9,342 9,795 8,460 10,593 9,373 Salaries and Employee Benefits Occupancy and Equipment, net Data Processing Office and Operations Intangible Asset Amortization Other 3Q23 4Q23 1Q24 2Q24 3Q24

ORIGIN BANCORP, INC. _______ 10.0 10.5 10.7 10.7 10.9 10.3 10.5 10.6 10.5 10.8 Company Level Origin Bank Level 3Q23 4Q23 1Q24 2Q24 3Q24 11.6 12.0 12.2 12.3 12.6 12.0 11.9 12.1 12.2 12.4 Company Level Origin Bank Level 3Q23 4Q23 1Q24 2Q24 3Q24 23 CAPITAL 14.6 15.0 15.0 15.2 15.5 14.0 13.9 14.0 14.2 14.4 Company Level Origin Bank Level 3Q23 4Q23 1Q24 2Q24 3Q24 3Q24 Reported versus Capital Ratios incl. AOCI (%) ICap ICap Total Capital to Risk-Weighted Assets(18) (%) Tier 1 Capital to Risk-Weighted Assets(18) (%)Tier 1 Capital to Average Assets (Leverage Ratio)(18) (%) Please see slide 29 for all footnote references included above. 10.9 12.6 15.5 12.5 10.0 11.6 14.4 11.4 10.8 12.4 14.4 12.4 9.8 11.4 13.3 11.4 Company Level, Reported Company Level, incl. AOCI Bank Level, Reported Bank Level, incl. AOCI Tier 1 Leverage Ratio Tier 1 Capital Ratio Total Capital Ratio Common Equity Tier 1 Capital Ratio (19) (19) UNAUDITED

ORIGIN BANCORP, INC. _______ QTD YTD 3Q24 2Q24 3Q24 $ Impact EPS Impact (20) $ Impact EPS Impact (20) $ Impact EPS Impact (20) Notable interest income items: Interest income reversal on relationships impacted by questioned banker activity $ — $ — $ (1,206) $ (0.03) $ (1,206) $ (0.03) Notable provision expense items: Provision expense related to questioned banker activity — — (3,212) (0.08) (3,212) (0.08) Provision expense on relationships impacted by questioned banker activity — — (4,131) (0.10) (4,131) (0.10) Notable noninterest income items: MSR gain — — — — 410 0.01 Gain (loss) on sales of securities, net 221 0.01 — — (182) — Gain on sub-debt repurchase — — 81 — 81 — Positive valuation adjustment on non-marketable equity securities — — 5,188 0.13 5,188 0.13 Gain on bank property sale — — 800 0.02 800 0.02 Notable noninterest expense items: Operating expense related to questioned banker activity (848) (0.02) (1,452) (0.04) (2,300) (0.06) Total notable items $ (627) (0.02) $ (3,932) (0.10) $ (4,552) (0.12) 24 DOLLARS IN THOUSANDS, EXCEPT PER SHARE AMOUNTS, UNAUDITED NOTABLE ITEMS Please see slide 29 for all footnote references included above.

ORIGIN BANCORP, INC. _______ 3Q24 2Q24 Calculation of PTPP earnings: Net income $ 18,601 $ 20,989 Provision for credit losses 4,603 5,231 Income tax expense 5,068 5,747 PTPP earnings (non-GAAP) $ 28,272 $ 31,967 Calculation of PTPP ROAA: PTPP earnings $ 28,272 $ 31,967 Divided by number of days in the quarter 92 91 Multiplied by the number of days in the year 366 366 PTPP earnings, annualized $ 112,473 $ 128,571 Divided by total average assets $ 9,985,836 $ 10,008,225 ROAA (annualized) (GAAP) 0.74 % 0.84 % PTPP ROAA (annualized) (non-GAAP) 1.13 1.28 Calculation of tangible common equity to tangible assets: Total assets $ 9,965,986 $ 9,947,182 Goodwill (128,679) (128,679) Other intangible assets, net (39,272) (41,177) Tangible assets 9,798,035 9,777,326 Total common stockholders' equity $ 1,145,673 $ 1,095,894 Goodwill (128,679) (128,679) Other intangible assets, net (39,272) (41,177) Tangible common equity 977,722 926,038 Tangible common equity to tangible assets (non-GAAP) 9.98 % 9.47 % 25 DOLLARS IN THOUSANDS, UNAUDITED RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

ORIGIN BANCORP, INC. _______ 3Q24 2Q24 Calculation of ROATCE: Net income $ 18,601 $ 20,989 Divided by number of days in the quarter 92 91 Multiplied by the number of days in the year 366 366 Annualized net income $ 74,000 $ 84,417 Total average stockholders' equity $ 1,125,697 $ 1,084,269 Average goodwill (128,679) (128,679) Average other intangible assets, net (40,487) (42,563) Average tangible common equity 956,531 913,027 ROATCE (annualized) (non-GAAP) 7.74 % 9.25 % 26 DOLLARS IN THOUSANDS, UNAUDITED RECONCILIATION OF NON-GAAP FINANCIAL MEASURES

ORIGIN BANCORP, INC. _______ Calculation of tangible book value per common share and adjusted tangible book value per common share: 3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 1Q23 4Q22 Total common stockholders' equity $ 1,145,673 $ 1,095,894 $ 1,078,853 $ 1,062,905 $ 998,945 $ 997,859 $ 992,587 $ 949,943 Goodwill (128,679) (128,679) (128,679) (128,679) (128,679) (128,679) (128,679) (128,679) Other intangible assets, net (39,272) (41,177) (43,314) (45,452) (42,460) (44,724) (47,277) (49,829) Tangible common equity 977,722 926,038 906,860 888,774 827,806 824,456 816,631 771,435 Accumulated other comprehensive loss 94,245 127,184 124,909 121,023 172,729 152,879 138,481 159,875 Adjusted tangible common equity 1,071,967 1,053,222 1,031,769 1,009,797 1,000,535 977,335 955,112 931,310 Divided by common shares outstanding at period end 31,167,410 31,108,667 31,011,304 30,986,109 30,906,716 30,866,205 30,780,853 30,746,600 Book value per common share (GAAP) $ 36.76 $ 35.23 $ 34.79 $ 34.30 $ 32.32 $ 32.33 $ 32.25 $ 30.90 Tangible book value per common share (non-GAAP) 31.37 29.77 29.24 28.68 26.78 26.71 26.53 25.09 Adjusted tangible book value per common share (non-GAAP) 34.39 33.86 33.27 32.59 32.37 31.66 31.03 30.29 3Q22 2Q22 1Q22 4Q21 3Q21 2Q21 1Q21 4Q20 Total common stockholders' equity $ 907,024 $ 646,373 $ 676,865 $ 730,211 $ 705,667 $ 688,235 $ 656,355 $ 647,150 Goodwill (136,793) (34,153) (34,153) (34,368) (26,741) (26,741) (26,741) (26,741) Other intangible assets, net (52,384) (15,900) (16,425) (16,962) (3,089) (3,283) (3,505) (3,739) Tangible common equity 717,847 596,320 626,287 678,881 675,837 658,211 626,109 616,670 Accumulated other comprehensive loss (income) 175,233 115,979 65,890 (5,729) (11,872) (18,914) (12,185) (25,649) Adjusted tangible common equity 893,080 712,299 692,177 673,152 663,965 639,297 613,924 591,021 Divided by common shares outstanding at period end 30,661,734 23,807,677 23,748,748 23,746,502 23,496,058 23,502,215 23,488,884 23,506,312 Book value per common share (GAAP) $ 29.58 $ 27.15 $ 28.50 $ 30.75 $ 30.03 $ 29.28 $ 27.94 $ 27.53 Tangible book value per common share (non-GAAP) 23.41 25.05 26.37 28.59 28.76 28.01 26.66 26.23 Adjusted tangible book value per common share (non-GAAP) 29.13 29.92 29.15 28.35 28.26 27.20 26.14 25.14 27 RECONCILIATION OF NON-GAAP FINANCIAL MEASURES DOLLARS IN THOUSANDS, EXCEPT PER SHARE AMOUNTS, UNAUDITED

ORIGIN BANCORP, INC. _______ RECONCILIATION OF NON-GAAP FINANCIAL MEASURES DOLLARS IN THOUSANDS, UNAUDITED Calculation of core efficiency ratio: 3Q24 2Q24 1Q24 4Q23 3Q23 2Q23 1Q23 4Q22 Total noninterest expense $ 62,521 $ 64,388 $ 58,707 $ 60,906 $ 58,663 $ 58,887 $ 56,760 $ 57,254 Insurance and mortgage noninterest expense (8,448) (8,402) (8,045) (8,581) (8,579) (9,156) (8,033) (8,031) Adjusted total noninterest expense 54,073 55,986 50,662 52,325 50,084 49,731 48,727 49,223 Net interest income 74,804 73,890 73,323 72,989 74,130 75,291 77,147 84,749 Insurance and mortgage net interest income (2,578) (2,407) (2,795) (2,294) (2,120) (1,574) (1,493) (1,376) Total noninterest income 15,989 22,465 17,255 8,196 18,119 15,636 16,384 13,429 Insurance and mortgage noninterest income (8,081) (8,543) (10,123) (4,727) (7,335) (7,587) (8,792) (6,255) Adjusted total revenue 80,134 85,405 77,660 74,164 82,794 81,766 83,246 90,547 Efficiency ratio (GAAP) 68.86 % 66.82 % 64.81 % 75.02 % 63.59 % 64.76 % 60.69 % 58.32 % Core efficiency ratio (non-GAAP) 67.48 65.55 65.24 70.55 60.49 60.82 58.53 54.36 3Q22 2Q22 1Q22 4Q21 3Q21 2Q21 1Q21 4Q20 Total noninterest expense $ 56,241 $ 44,150 $ 42,774 $ 40,346 $ 39,165 $ 37,832 $ 39,436 $ 38,884 Insurance and mortgage noninterest expense (8,479) (8,397) (8,626) (6,580) (6,688) (6,964) (7,252) (7,195) Adjusted total noninterest expense 47,762 35,753 34,148 33,766 32,477 30,868 32,184 31,689 Net interest income 78,523 59,504 52,502 54,180 52,541 54,292 55,239 51,819 Insurance and mortgage net interest income (1,208) (1,082) (875) (946) (1,048) (979) (1,003) (1,236) Total noninterest income 13,723 14,216 15,906 16,701 15,923 12,438 17,131 15,381 Insurance and mortgage noninterest income (4,737) (8,047) (10,552) (5,683) (6,179) (5,815) (8,348) (9,326) Adjusted total revenue 86,301 64,591 56,981 64,252 61,237 59,936 63,019 56,638 Efficiency ratio (GAAP) 60.97 % 59.89 % 62.53 % 56.92 % 57.21 % 56.69 % 54.49 % 57.86 % Core efficiency ratio (non-GAAP) 55.34 55.35 59.93 52.55 53.03 51.50 51.07 55.95 28

ORIGIN BANCORP, INC. _______ 29 PRESENTATION NOTES (1) Does not include wholesale or mortgage warehouse deposits. (2) Excludes mortgage warehouse lines of credit (“MW LOC”). (3) Data obtained from United States Census Bureau (census.gov), Texas Comptroller (comptroller.texas.gov), Office of the Texas Governor (gov.texas.gov), Bureau of Labor Statistics (bls.gov), Baldwin County Economic Development Council (baldwineda.com), Florida's Great Northwest (floridasgreatnorthwest.com), Bureau of Transportation Statistics (bts.gov) and Port of Mobile, Alabama Port Authority (alports.com). (4) As used in this presentation, PTPP earnings, PTPP ROAA, tangible book value per common share, adjusted tangible book value per common share, adjusted tangible common equity per common share, tangible common equity to tangible assets, ROATCE, and core efficiency ratio are either non-GAAP financial measures or use a non- GAAP contributor in the formula. For a reconciliation of these alternative financial measures to their comparable GAAP measures, see slides 25-28 of this presentation. (5) Total LHFI, adjusted excludes MW LOC for all periods presented. (6) Origin Bancorp, Inc. and KBW Nasdaq Bank cumulative total shareholder return assumes $100 invested on December 31, 1996, and any dividends are reinvested. Data for Origin Bancorp, Inc. cumulative total shareholder return prior to May 9, 2018, is based upon private stock transactions and is not reflective of open market trades. (7) Data obtained from The United States Census Bureau (census.gov). Count is as of most recent practicable date. (8) Periods ended December 31, 2020 and 2021, exclude PPP loans. (9) Does not include loans held for sale. (10) The ALCL to total LHFI, adjusted is calculated by excluding the ALCL for MW LOC from the total LHFI ALCL in the numerator and excluding the MW LOC from the LHFI in the denominator. Due to their low-risk profile, MW LOC require a disproportionately low allocation of the ALCL. (11) The sensitivity analysis is based on loans exceeding $2.5 million. (12) Represents an interest rate sensitivity test for CRE non-owner office loans over $2.5 million using interest rate assumptions increased to 8.6% for 2024 maturities, 8.1% for 2025 maturities, 7.1% for 2026 maturities, 6.1% for 2027 maturities and 5.8% for 2028+ maturities, based upon federal open market committee projections at June 12, 2024. (13) Represents the weighted average loan to value based upon an increase to a 10% stress capitalization rate on loans exceeding $2.5 million within the CRE non-owner occupied office portfolio. (14) The accumulated other comprehensive loss primarily represents the unrealized loss, net of tax benefit, of available for sale securities and is a component of equity. (15) Floating rate loans typically reprice monthly, while variable rate loans reprice based upon the terms defined within the adjustable rate loan agreement specific to their loan contract. (16) For purposes of this classification, all reciprocal deposits are classified as commercial deposits. (17) Mortgage banking revenue for 1Q24 and 4Q23 was adjusted by removing the impact for the $410,000 gain on sale and $1.8 million impairment, respectively, on the MSR portfolio. (18) September 30, 2024, dollars and ratios are estimated. (19) Capital ratios including AOCI are calculated by including the accumulated other comprehensive loss used in the numerator of the respective ratios and including the primarily negative fair value adjustments on the available for sale portfolio in the total risk-weighted assets used in the denominator of the ratio. (20) The diluted EPS impact is calculated using a 21% effective tax rate. The total of the diluted EPS impact of each individual line item may not equal the calculated diluted EPS impact on the total notable items due to rounding.