XML 59 R48.htm IDEA: XBRL DOCUMENT
v3.25.2

Loans - Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Beginning balance | $ 92,011 | $ 98,375 | $ 91,060 | $ 96,868 | $ 96,868
Charge-offs | 3,700 | 3,706 | 8,548 | 10,389 |
Recoveries | 1,400 | 760 | 3,520 | 4,861 |
Provision | 2,715 | 5,436 | 6,394 | 9,525 |
Ending balance | 92,426 | 100,865 | 92,426 | 100,865 | 91,060
Average balance | $ 7,673,268 | $ 7,926,058 | $ 7,585,143 | $ 7,842,531 |
Net (recoveries) charge-offs to loan average balance (annualized) | 0.12% | 0.15% | 0.13% | 0.14% |
Provision for credit losses | $ 2,900 | $ 5,200 | $ 6,300 | $ 8,200 |
Provision (release) for loan credit losses | 2,715 | 5,436 | 6,394 | 9,525 |
Provision (benefit) for off-balance sheet commitments | 149 | (238) | (84) | (1,300) |
Provision (benefit) for held to maturity securities | (2) | 33 | (3) | (6) |
Real estate | Commercial Real Estate |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Beginning balance | 16,185 | 17,544 | 16,546 | 19,625 | 19,625
Charge-offs | 471 | 25 | 728 | 480 | 480
Recoveries | 0 | 267 | 13 | 297 |
Provision | 1,071 | (542) | 954 | (2,198) |
Ending balance | 16,785 | 17,244 | 16,785 | 17,244 | 16,546
Average balance | $ 2,407,632 | $ 2,497,490 | $ 2,427,754 | $ 2,467,983 |
Net (recoveries) charge-offs to loan average balance (annualized) | 0.08% | (0.04%) | 0.06% | 0.01% |
Provision (release) for loan credit losses | $ 1,071 | $ (542) | $ 954 | $ (2,198) |
Real estate | Construction/ Land/ Land Development |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Beginning balance | 6,836 | 9,979 | 7,398 | 9,990 | 9,990
Charge-offs | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision | (512) | (705) | (1,074) | (716) |
Ending balance | 6,324 | 9,274 | 6,324 | 9,274 | 7,398
Average balance | $ 739,601 | $ 1,058,972 | $ 780,450 | $ 1,094,664 |
Net (recoveries) charge-offs to loan average balance (annualized) | 0.00% | 0.00% | 0.00% | 0.00% |
Provision (release) for loan credit losses | $ (512) | $ (705) | $ (1,074) | $ (716) |
Real estate | Residential Real Estate |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Beginning balance | 13,027 | 10,634 | 12,454 | 10,619 | 10,619
Charge-offs | 119 | 0 | 119 | 0 | 11
Recoveries | 7 | 4 | 53 | 8 |
Provision | 724 | 1,142 | 1,251 | 1,153 |
Ending balance | 13,639 | 11,780 | 13,639 | 11,780 | 12,454
Average balance | $ 1,955,422 | $ 1,787,829 | $ 1,932,798 | $ 1,763,467 |
Net (recoveries) charge-offs to loan average balance (annualized) | 0.02% | 0.00% | 0.01% | 0.00% |
Provision (release) for loan credit losses | $ 724 | $ 1,142 | $ 1,251 | $ 1,153 |
Commercial and industrial |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Beginning balance | 54,762 | 58,823 | 53,449 | 55,330 | 55,330
Charge-offs | 2,995 | 3,668 | 7,556 | 9,849 | 22,787
Recoveries | 1,390 | 484 | 3,432 | 4,548 |
Provision | 1,018 | 5,545 | 4,850 | 11,155 |
Ending balance | 54,175 | 61,184 | 54,175 | 61,184 | 53,449
Average balance | $ 2,068,175 | $ 2,128,486 | $ 2,036,281 | $ 2,124,994 |
Net (recoveries) charge-offs to loan average balance (annualized) | 0.31% | 0.60% | 0.41% | 0.50% |
Provision (release) for loan credit losses | $ 1,018 | $ 5,545 | $ 4,850 | $ 11,155 |
Mortgage Warehouse Lines of Credit |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Beginning balance | 422 | 661 | 501 | 529 | 529
Charge-offs | 0 | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0 |
Provision | 358 | 15 | 279 | 147 |
Ending balance | 780 | 676 | 780 | 676 | 501
Average balance | $ 480,587 | $ 430,885 | $ 385,582 | $ 368,566 |
Net (recoveries) charge-offs to loan average balance (annualized) | 0.00% | 0.00% | 0.00% | 0.00% |
Provision (release) for loan credit losses | $ 358 | $ 15 | $ 279 | $ 147 |
Consumer |  |  |  |  |
Allowance for Loan and Lease Losses [Roll Forward] |  |  |  |  |
Beginning balance | 779 | 734 | 712 | 775 | 775
Charge-offs | 115 | 13 | 145 | 60 | 362
Recoveries | 3 | 5 | 22 | 8 |
Provision | 56 | (19) | 134 | (16) |
Ending balance | 723 | 707 | 723 | 707 | $ 712
Average balance | $ 21,851 | $ 22,396 | $ 22,278 | $ 22,857 |
Net (recoveries) charge-offs to loan average balance (annualized) | 2.06% | 0.14% | 1.11% | 0.46% |
Provision (release) for loan credit losses | $ 56 | $ (19) | $ 134 | $ (16) |

X
- Definition Credit Loss, Expense (Reversal) + References No definition available. + Details
Name: | obnk_CreditLossExpenseReversal
Namespace Prefix: | obnk_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Percentage of writeoff after recovery to average financing receivables outstanding. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (4) -Publisher SEC + Details
Name: | srt_FinancingReceivableWriteoffAfterRecoveryToAverageOutstandingPercent
Namespace Prefix: | srt_
Data Type: | dtr-types:percentItemType
Balance Type: | na
Period Type: | duration

X
- Definition A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. + References No definition available. + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossesRollForward
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of credit loss expense (reversal of expense) on investment in debt security measured at amortized cost (held-to-maturity). + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 22 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147476148/220-40-50-22 + Details
Name: | us-gaap_DebtSecuritiesHeldToMaturityExcludingAccruedInterestCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount excluding accrued interest, of allowance for credit loss on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 45 -Paragraph 1 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479344/326-20-45-1 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount, excluding accrued interest, of increase in allowance for credit loss on financing receivable from recovery. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (d) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 6 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-6 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoff
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount, excluding accrued interest, of credit loss expense (reversal of expense) on financing receivable. Excludes net investment in lease. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 22 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147476148/220-40-50-22 + Details
Name: | us-gaap_FinancingReceivableExcludingAccruedInterestCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Average amount outstanding, before allowance for credit loss, of financing receivables. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1402 -Paragraph a -Publisher SEC Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1402 -Paragraph b -Subparagraph (1) -Publisher SEC Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name Regulation S-K (SK) -Number 229 -Section 1405 -Paragraph a -Subparagraph (4) -Publisher SEC + Details
Name: | us-gaap_FinancingReceivablesBeforeAllowanceForCreditLossAverageAmountOutstanding
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Amount of expense (reversal of expense) for expected credit loss for off-balance sheet credit exposure. Excludes off-balance sheet credit exposure accounted for as insurance and instrument accounted for under derivatives and hedging. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 13 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-13 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 220 -SubTopic 40 -Name Accounting Standards Codification -Section 50 -Paragraph 22 -Subparagraph (a) -Publisher FASB -URI https://asc.fasb.org/1943274/2147476148/220-40-50-22 + Details
Name: | us-gaap_OffBalanceSheetCreditLossLiabilityCreditLossExpenseReversal
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=obnk_RealEstatePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=obnk_ConstructionLandandLandDevelopmentLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ResidentialRealEstateMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=obnk_MortgageWarehousePortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |