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Investar Bank, National Association
Baton Rouge, LA·FDIC Cert #58316·Charter: OCC·Est. 20060614.0·HC: INVESTAR HOLDING CORP
Total Assets
$2.8B
Q4 2025
Return on Assets
0.89%
+0.02%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
70.11%
Peer avg: 58.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.89%+0.02
ROE
8.59%+0.07
Efficiency
70.11%-1.61
Equity/Assets
0.00%+0.00
NPL Ratio
0.43%+0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
91.10%+1.89
Charge-offs
-0.16%+0.05
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.7 | 0.7 | 0.8 | 0.8 | 1.0 | 0.9 | 0.9 | 0.9 |
| ROE | 7.5 | 7.2 | 7.6 | 8.3 | 10.2 | 8.7 | 8.5 | 8.6 |
| Efficiency | 73.1 | 72.9 | 72.7 | 70.8 | 76.3 | 74.0 | 71.7 | 70.1 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.3 | 0.2 | 0.2 | 0.4 | 0.3 | 0.4 | 0.4 | 0.4 |
| Charge-offs | 0.0 | 0.0 | -0.0 | 0.0 | -0.6 | -0.3 | -0.2 | -0.2 |
| Loan/Deposit | 97.4 | 96.7 | 92.9 | 89.4 | 88.6 | 88.3 | 89.2 | 91.1 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.4B
Total Loans$2.1B
Total Equity$313.2M
Profitability
ROA0.89%
ROE8.59%
Efficiency Ratio70.11%
Net Income$24.7M
Risk & Asset Quality
NPL Ratio0.43%
Charge-off Rate-0.16%
Loan/Deposit91.10%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans