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
Unfavorable gap of $81.2M · efficiency ratio beats 38% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.21% | 0.93% | 1.22% | 1.51% | Beats 49% | 163 / 317 | |
| Return on Equity | 10.45% | 8.63% | 11.43% | 14.48% | Beats 39% | 192 / 317 | |
| Net Interest Margin | 3.50% | 3.06% | 3.45% | 3.83% | Beats 53% | 148 / 317 | |
| Efficiency Ratio | 63.28% | 51.90% | 59.69% | 67.53% | Beats 38% | 196 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.24% | 0.51% | 1.14% | Beats 43% | 179 / 311 | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.04% | 0.12% | Beats 63% | 118 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 13.51% | 11.75% | 13.15% | 15.30% | Beats 56% | 140 / 317 | |
| Total Risk-Based Capital Ratio | 14.68% | 12.63% | 14.21% | 16.26% | Beats 59% | 130 / 317 | |
| Equity / Assets | 11.55% | 9.06% | 10.32% | 11.95% | Beats 69% | 98 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 95.16% | 76.63% | 88.04% | 95.67% | 73rd pctl | 83 / 312 | |
| Loans / Assets | 79.44% | 65.41% | 74.05% | 79.71% | 74th pctl | 84 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |