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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.86% | 0.87% | 0.89% | 1.58% | 1.32% | +46 bps | |
| Return on Equity | 8.69% | 8.52% | 8.59% | 14.09% | 11.66% | +296 bps | |
| Net Interest Margin | 2.81% | 2.86% | 2.90% | 3.43% | 3.50% | +68 bps | |
| Efficiency Ratio | 74.01% | 71.72% | 70.11% | 58.70% | 61.60% | -1,241 bps | |
| Non-Interest Burden | 1.99% | 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 / Loans | 0.36% | 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 / Loans | 1.26% | 1.23% | 1.21% | 1.17% | 1.18% | -8 bps | |
| Allowance Coverage of NPLs | 3.6x | 3.4x | 2.8x | 1.8x | 1.9x | -1.7x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.08% | 10.88% | 10.85% | 10.47% | 10.75% | +66 bps | |
| Total Risk-Based Capital | 13.40% | 14.17% | 14.11% | 14.26% | 14.68% | +128 bps | |
| Equity / Assets | 10.10% | 11.07% | 11.08% | 11.33% | 11.55% | +145 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.38% | 90.32% | 92.21% | 94.78% | 95.16% | +578 bps | |
| Liquid Assets / Assets | 2.49% | 1.81% | 2.23% | 2.29% | 2.27% | -22 bps | |
| CRE / Total Capital | n/a | 390% | 386% | 360% | n/a | n/a | |