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Investar Bank, National Association

Baton Rouge, LA · Cert 58316 · Investar Holding Corp.

National charter · OCC · 36 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

47

Q2 2024Q2 2026peer median (50)

Liquidity

47

Q2 2024Q2 2026peer median

Efficiency

38

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Investar Bank, National Association

Baton Rouge, LA · Cert 58316 · Investar Holding Corp.

National charter · OCC · 36 branches

Q2 2026

$3.9BAssets
$3.1BLoans
$3.2BDeposits
$444.9MEquity
Loan mix
81%RE $2.4B18%C&I $0.5B0%Consumer $0.0BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $2.6B19%Noninterest $0.6BQ2 2025Q2 2026

NIM

5.02%Q2 ’244.98%Q2 ’255.42%Q2 ’26+10%+24%

Non-interest income vs. expense

2.15%Q2 ’242.30%Q2 ’252.36%Q2 ’26+13%+4%

Market Position · Baton Rouge, LA · 2026 SOD (annual) · 3.8% share · #7 of 40 inst. · $1.0B of $26.7B

3.5% East Baton Rouge
13.6% Wichita
4.0% Lafayette
11.0% Calhoun

Executive Summary

  • Earnings: ROA of 1.32%, up 46 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.63% of loans (+28 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 10.75%, up 66 bps from a year ago.
  • Funding: loans stand at 95.16% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.32%+46 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+68 bps YoY

Efficiency Ratio (YTD, annualized)

61.60%-1,241 bps YoY

Tier 1 Leverage Ratio

10.75%+66 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.86%0.87%0.89%1.58%1.32%+46 bps
Return on Equity8.69%8.52%8.59%14.09%11.66%+296 bps
Net Interest Margin2.81%2.86%2.90%3.43%3.50%+68 bps
Efficiency Ratio74.01%71.72%70.11%58.70%61.60%-1,241 bps
Non-Interest Burden1.99%1.96%1.93%1.92%2.07%+8 bps
Growth
Asset Growth (YoY)-1.42%-0.14%3.97%41.80%40.36%+4,178 bps
Loan Growth (YoY)-2.79%-0.25%2.39%45.63%45.27%+4,806 bps
Deposit Growth (YoY)6.56%4.01%0.55%37.83%36.45%+2,989 bps
Asset Quality
Nonperforming Loans / Loans0.36%0.36%0.43%0.66%0.63%+28 bps
Net Charge-Offs / Loans-0.32%-0.21%-0.16%0.03%0.02%+35 bps
Allowance / Loans1.26%1.23%1.21%1.17%1.18%-8 bps
Allowance Coverage of NPLs3.6x3.4x2.8x1.8x1.9x-1.7x
Capital
Tier 1 Leverage Ratio10.08%10.88%10.85%10.47%10.75%+66 bps
Total Risk-Based Capital13.40%14.17%14.11%14.26%14.68%+128 bps
Equity / Assets10.10%11.07%11.08%11.33%11.55%+145 bps
Liquidity & Funding
Loans / Deposits89.38%90.32%92.21%94.78%95.16%+578 bps
Liquid Assets / Assets2.49%1.81%2.23%2.29%2.27%-22 bps
CRE / Total Capitaln/a390%386%360%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Investar Bank, National Association

Baton Rouge, LA · Cert 58316 · Peer group: banks $1B-$10B in assets (n=311-317) · Investar Holding Corp.

National charter · OCC · 36 branches

Q2 2026

$3.9BAssets
$3.1BLoans
$3.2BDeposits
$444.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 69% of banks $1B-$10B in assets (rank 98 of 317).
  • Widest gap: efficiency ratio trails 62% of banks $1B-$10B in assets (rank 196 of 317).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.21%

Rank 163 of 317

Net Interest Margin

3.50%

Rank 148 of 317

Efficiency Ratio

63.28%

Rank 196 of 317

Equity / Assets

11.55%

Rank 98 of 317

Non-interest income vs. expense

$11.3M$92.5MINCOMEEXPENSE
Unfavorable gap of $81.2M · efficiency ratio beats 38% of banks $1B-$10B in assets
Bank 63.28%Peer median 59.7%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.21%0.93%1.22%1.51%Beats 49%163 / 317
Return on Equity10.45%8.63%11.43%14.48%Beats 39%192 / 317
Net Interest Margin3.50%3.06%3.45%3.83%Beats 53%148 / 317
Efficiency Ratio63.28%51.90%59.69%67.53%Beats 38%196 / 317
Asset Quality
Nonperforming Loans / Loans0.63%0.24%0.51%1.14%Beats 43%179 / 311
Net Charge-Offs / Loans0.02%0.01%0.04%0.12%Beats 63%118 / 311
Capital
Tier 1 Capital Ratio13.51%11.75%13.15%15.30%Beats 56%140 / 317
Total Risk-Based Capital Ratio14.68%12.63%14.21%16.26%Beats 59%130 / 317
Equity / Assets11.55%9.06%10.32%11.95%Beats 69%98 / 317
Liquidity & Funding
Loans / Deposits95.16%76.63%88.04%95.67%73rd pctl83 / 312
Loans / Assets79.44%65.41%74.05%79.71%74th pctl84 / 317
Brokered Deposits / Depositsn/aNot reported for this institution