Investar Bank, National Association
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
$3.9BAssets
$3.1BLoans
$3.2BDeposits
$444.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 69% of banks $1B-$10B in assets (rank 102 of 328).
- Widest gap: efficiency ratio trails 63% of banks $1B-$10B in assets (rank 206 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $81.2M · efficiency ratio beats 37% 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% | 0.91% | 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 |