Investar(NASDAQ) ISTR

Investar helps Gulf South people and small businesses manage their money. It provides loans and safe places to keep savings. The bank serves customers in Louisiana, Texas, and Alabama.

The Banking Menu

• Business Lending: Provides loans for commercial property and business equipment; accounted for 83% of total revenue in 2025.
• Personal Real Estate: Offers home mortgages and construction loans for individuals and property developers.
• Deposit Accounts: Supplies checking, savings, and retirement accounts alongside mobile banking tools.
• Cash Management: Assists business owners with wire transfers, electronic payments, and remote deposit tools.

Where is the Growth?

• Completed the purchase of Wichita Falls Bancshares, Inc. and its subsidiary First National Bank on January 1, 2026.
• Sold branch locations in Alice and Victoria, Texas, to First Community Bank in January 2023.
• Exited the consumer mortgage origination business during the third quarter of 2023 to focus on other lending areas.
• Converted specialized production offices into full-service branch locations in Texas and Alabama between 2023 and 2024.

What Makes Investar Stand Out?

The company operates a network of 36 full-service branches and emphasizes a local community approach with direct access to decision-makers. It utilizes technology like interactive teller machines to provide digital banking options while maintaining a physical presence across its regional markets.

A Look at the Numbers

• Total revenue reached $53.2 million in Q1 2026, up 46% from Q1 2025.
• Net income hit $12 million in Q1 2026, representing a 91.1% increase year-over-year.
• Operating income grew to $9.8 million in Q1 2026, up 27.3% from the same period in 2025.
• The company reported $2.8 billion in total assets and $2.4 billion in total deposits as of December 31, 2025.

Bottom Line

Investar has evolved from a single Louisiana location into a multi-state regional bank through steady acquisitions and a shift toward commercial lending. Its strategy focuses on maintaining a flexible balance sheet and deepening local customer relationships across the Gulf South.