Investar

Investar provides banking services for individuals and small businesses in the southern US. Its products help people manage money, save, and access loans for homes or businesses. Customers use Investar for everyday banking, business growth, and personal financial needs.

Products and Services

• Deposit Accounts: Savings, checking, and money market accounts for individuals and businesses (no revenue split disclosed).
• Lending Products: Commercial real estate, business, and residential loans; 83% of 2025 revenue.
• Cash Management: Services like remote deposit, wire transfers, and business internet banking for companies.
• Consumer Loans: Auto, home equity, and personal loans for individuals (less than 1% of total loans).
• Digital Banking: Mobile banking, online account opening, and interactive teller machines for convenient access.

Growth and Expansion

• Acquired Wichita Falls Bancshares and First National Bank in January 2026, adding $1.2 billion in assets and six Texas branches.
• Completed eight whole-bank acquisitions since founding in 2006, expanding across Louisiana, Texas, and Alabama.
• Issued $32.5 million in Series A Preferred Stock in July 2025 to fund acquisitions and support growth.
• Invested in digital banking, launching online account opening and digital/cashless branches since 2023.
• Optimized branch network by closing two locations and converting others to digital formats in the past three years.

What Makes Investar Stand Out

Investar focuses on local markets, offering personalized banking and quick product development. Its digital banking investments improve efficiency and customer access. The company holds strong deposit shares in select regions, supporting its community bank model.

Five Things You Need to Know

• Total revenue was $39 million in Q4 2025, down 4.2% year-over-year.
• Net income reached $21.8 million in 2025, up 7.9% from 2024.
• Loan portfolio composition for 2025: 41.9% commercial real estate, 27.4% commercial and industrial, 17.3% 1-4 family residential, and 0.4% consumer loans.
• Book value per share was $27.63 at year-end 2025, up 12.5% year-over-year.
• Operates 36 branches across Louisiana, Texas, and Alabama as of December 2025.

Bottom Line

Investar has grown through acquisitions and digital innovation while maintaining a community banking focus. Its adaptable model supports steady performance in regional US markets.