Investar Bank

What sets Investar Bank apart

• Over the year to Q2 2026, the bank equity capital of Investar Bank rose by 60.4% to $444.9 mn, a bigger rise than at 98% of covered banks.
• Over the year to Q2 2026, the total assets of Investar Bank rose by 40.4% to $3.9 bn, a bigger rise than at 96% of covered banks.
• Over the year to Q2 2026, the net loans and leases of Investar Bank rose by 45.4% to $3.0 bn, a bigger rise than at 96% of covered banks.

How large is Investar Bank?

The balance sheet of Investar Bank at Q2 2026: assets $3.9 bn, deposits $3.2 bn, net loans $3.0 bn (loans equal to 94.03% of deposits). Securities make up 11.9% of total assets at Investar Bank. Since Q1 2016, when Investar Bank held $1.1 bn, its assets grew 259.3%. In the year to Q2 2026, deposits at Investar Bank rose 36.5% while its total assets rose 40.4%. At Q2 2026, Investar Bank employed 437 full-time equivalent staff across 38 offices, about $8.8 mn of assets per employee and $84.6 mn of deposits per office.

How much funding at Investar Bank is uninsured?

At Investar Bank, uninsured deposits (above the FDIC limit) made up 34.14% of domestic deposits at Q2 2026 (+0.80 pp on a year earlier); Investar Bank ranks 254th of 500 on this measure. In dollars, Investar Bank estimated $1.1 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Investar Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Investar Bank stood at 13.51% in Q2 2026, +1.27 pp year on year. Low and high at Investar Bank since Q1 2016: 11.19% (Q3 2016) to 16.68% (Q1 2017). Equity capital of Investar Bank at Q2 2026: $444.9 mn, or 11.5% of total assets. Investar Bank also reported a total capital ratio of 14.68% for Q2 2026, and a tier 1 leverage ratio of 10.75%.

On held-to-maturity securities, Investar Bank carried an unrealized gain of $2.2 mn at Q2 2026, equal to 0.5% of equity capital. The gain rose by $72,000 over the year. Its deepest point: $541,000 in Q4 2024. The available-for-sale portfolio of Investar Bank showed an unrealized loss of $48.0 mn at Q2 2026; the loss narrowed by $4.8 mn over the year.

For the year to Q2 2026, Investar Bank earned a return on equity of 11.66%; return on assets: 1.32%. Net interest margin at Investar Bank: 4.20%, +1.08 pp in a year. Investar Bank net income: $23.2 mn, up 97.2% year on year. The efficiency ratio of Investar Bank was 61.60%: about 62 cents cost per revenue dollar, against 63 cents at the median peer.

At Q2 2026, noncurrent loans were 0.63% of total loans at Investar Bank; net charge-offs: 0.03% of average loans. Gross loans and leases at Investar Bank: $3.1 bn, up 45.3% in a year.

The peer group of Investar Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 1 shares the charter type of Investar Bank (national bank), 6 sit in the same size group ($1 bn to $10 bn) and 1 has its head office in Louisiana. Against them, Investar Bank shows CET1 ratio 13.51% against a peer median of 12.77%, return on equity 11.66% against a peer median of 13.26% and uninsured deposit share 34.14% against a peer median of 39.04%.

The FDIC history of Investar Bank, oldest first; figures before and after each event are not like for like.

1. 1 July 2017. Absorbed Citizen's Bank (FDIC certificate 21995).
2. 1 December 2017. Absorbed The Highlands Bank (FDIC certificate 310).
3. 1 March 2019. Absorbed Mainland Bank (FDIC certificate 16308).
4. 1 November 2019. Absorbed Bank of York (FDIC certificate 862).
5. 1 April 2021. Absorbed Cheaha Bank (FDIC certificate 35514).
6. 1 January 2026. Absorbed First National Bank (FDIC certificate 26543).

Large one-quarter moves at Investar Bank

• Total assets at Investar Bank changed by +36.7% in the quarter to 2026-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from First National Bank.