Baton Rouge, LA · Cert 58316 · Investar Holding Corp.
National charter · OCC · 36 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
61
Asset Quality
51
Profitability
47
Liquidity
47
Efficiency
37
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.
Baton Rouge, LA · Cert 58316 · Investar Holding Corp.
National charter · OCC · 36 branches
Q2 2026
Market Position · Baton Rouge, LA · 2026 SOD (annual) · 3.8% share · #7 of 40 inst. · $1.0B of $26.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.81% | 1.00% | 0.86% | 0.87% | 0.89% | 1.58% | 1.32% | +46 bps | |
| Return on Equity | 7.59% | 8.25% | 10.21% | 8.69% | 8.52% | 8.59% | 14.09% | 11.66% | +296 bps | |
| Net Interest Margin | 2.58% | 2.61% | 2.73% | 2.81% | 2.86% | 2.90% | 3.43% | 3.50% | +68 bps | |
| Efficiency Ratio | 72.65% | 70.82% | 76.25% | 74.01% | 71.72% | 70.11% | 58.70% | 61.60% | -1,241 bps | |
| Non-Interest Burden | 1.76% | 1.70% | 2.00% | 1.99% | 1.96% | 1.93% | 1.92% | 2.07% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.44% | -3.33% | -2.10% | -1.42% | -0.14% | 3.97% | 41.80% | 40.36% | +4,178 bps | |
| Loan Growth (YoY) | 2.51% | -3.87% | -3.39% | -2.79% | -0.25% | 2.39% | 45.63% | 45.27% | +4,806 bps | |
| Deposit Growth (YoY) | 3.58% | 4.00% | 6.27% | 6.56% | 4.01% | 0.55% | 37.83% | 36.45% | +2,989 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.42% | 0.27% | 0.36% | 0.36% | 0.43% | 0.66% | 0.63% | +28 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.03% | -0.65% | -0.32% | -0.21% | -0.16% | 0.03% | 0.02% | +35 bps | |
| Allowance / Loans | 1.30% | 1.26% | 1.25% | 1.26% | 1.23% | 1.21% | 1.17% | 1.18% | -8 bps | |
| Allowance Coverage of NPLs | 6.8x | 3.0x | 4.7x | 3.6x | 3.4x | 2.8x | 1.8x | 1.9x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.06% | 9.70% | 10.03% | 10.08% | 10.88% | 10.85% | 10.47% | 10.75% | +66 bps | |
| Total Risk-Based Capital | 13.26% | 12.92% | 13.29% | 13.40% | 14.17% | 14.11% | 14.26% | 14.68% | +128 bps | |
| Equity / Assets | 10.22% | 9.64% | 10.03% | 10.10% | 11.07% | 11.08% | 11.33% | 11.55% | +145 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.18% | 90.55% | 89.70% | 89.38% | 90.32% | 92.21% | 94.78% | 95.16% | +578 bps | |
| Liquid Assets / Assets | 2.70% | 1.62% | 2.18% | 2.49% | 1.81% | 2.23% | 2.29% | 2.27% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 390% | 386% | 360% | n/a | n/a | |
Baton Rouge, LA · Cert 58316 · Peer group: banks $1B-$10B in assets (n=322-328) · Investar Holding Corp.
National charter · OCC · 36 branches
Q2 2026
Return on Assets
1.21%
Rank 170 of 328
Net Interest Margin
3.50%
Rank 154 of 328
Efficiency Ratio
63.28%
Rank 206 of 328
Equity / Assets
11.55%
Rank 102 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.21% | 0.91% | 1.22% | 1.52% | Beats 48% | 170 / 328 | ||
| Return on Equity | 10.45% | 8.43% | 11.45% | 14.43% | Beats 40% | 197 / 328 | ||
| Net Interest Margin | 3.50% | 3.03% | 3.45% | 3.83% | Beats 53% | 154 / 328 | ||
| Efficiency Ratio | 63.28% | 51.61% | 59.56% | 67.53% | Beats 37% | 206 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.63% | 0.24% | 0.51% | 1.03% | Beats 41% | 190 / 322 | ||
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.03% | 0.10% | Beats 61% | 126 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.51% | 11.75% | 13.15% | 15.47% | Beats 55% | 146 / 328 | ||
| Total Risk-Based Capital Ratio | 14.68% | 12.63% | 14.15% | 16.46% | Beats 58% | 137 / 328 | ||
| Equity / Assets | 11.55% | 9.15% | 10.33% | 12.01% | Beats 69% | 102 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.16% | 76.63% | 87.92% | 95.36% | 74th pctl | 85 / 323 | ||
| Loans / Assets | 79.44% | 65.18% | 74.15% | 79.98% | 73rd pctl | 89 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||