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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

5.03%Q2 ’245.05%Q2 ’255.42%Q2 ’26+14%+22%

Non-interest income vs. expense

2.18%Q2 ’242.31%Q2 ’252.49%Q2 ’26+15%+11%

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 1.04%, up 31 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.63% of loans (+28 bps YoY), with net charge-offs at 0.01%.
  • 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 (quarter, annualized)

1.04%+31 bps YoY

Net Interest Margin (quarter, annualized)

3.54%+63 bps YoY

Efficiency Ratio (quarter, annualized)

64.43%-749 bps YoY

Tier 1 Leverage Ratio

10.75%+66 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.89%0.96%1.58%1.04%+31 bps
Return on Equity7.18%8.38%8.65%14.09%9.07%+188 bps
Net Interest Margin2.91%3.07%3.10%3.43%3.54%+63 bps
Efficiency Ratio71.92%67.54%65.67%58.70%64.43%-749 bps
Non-Interest Burden1.99%1.96%1.92%1.92%2.20%+21 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 / Loans0.00%0.01%-0.01%0.03%0.01%+2 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