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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.99% | 1.00% | 0.72% | 0.89% | 0.96% | 1.58% | 1.04% | +31 bps | |
| Return on Equity | 8.57% | 9.97% | 10.21% | 7.18% | 8.38% | 8.65% | 14.09% | 9.07% | +188 bps | |
| Net Interest Margin | 2.63% | 2.61% | 2.73% | 2.91% | 3.07% | 3.10% | 3.43% | 3.54% | +63 bps | |
| Efficiency Ratio | 72.11% | 65.89% | 76.25% | 71.92% | 67.54% | 65.67% | 58.70% | 64.43% | -749 bps | |
| Non-Interest Burden | 1.76% | 1.46% | 2.00% | 1.99% | 1.96% | 1.92% | 1.92% | 2.20% | +21 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 | -0.07% | 0.15% | -0.65% | 0.00% | 0.01% | -0.01% | 0.03% | 0.01% | +2 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 | |