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Q2 2026 · read from the 30 June 2026 Call Report · United States · South Central · Louisiana, the state note

Investar Bank National Association

Baton Rouge, Louisiana · $3.85B in assets · beside the 5 other Louisiana banks between $3B and $10B

The filing

95.2%
Loans / deposits
6th of 6
+45.3%
Loans, year over year
1st of 6, largest first
0.63%
NPA / loans
2nd of 6

Investar Bank National Association is the fourth largest of the 6 Louisiana banks between $3B and $10B, with $3.85B in assets at 30 June 2026. Loans are 95.2% of deposits, the highest in the cohort against a median of 87.8%, and equity is 11.5% of assets, 3rd of 6. Loans grew +45.3% in the year, the fastest in the cohort, and deposits grew 36.5%; the cohort's median loan growth is +7.9%.

Noncurrent loans are 0.63% of the book, 2nd of 6 against a median of 1.11%; 0.26% is 30 to 89 days past due, and the allowance covers them 1.9 times. Commercial real estate is 30.0% of loans, 2nd of 6 against a median of 32.3%, and 204% of capital, below the 300% screen, with construction at 58% against the 100% screen.

Return on assets is 1.18%, 4th of 6 against a median of 1.19%, on an efficiency ratio of 63.3%, 4th of 6. Five years ago it was 0.94%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Loans as a share of depositsLA banks $3B to $10B · 30 June 2026 · lower is stronger, listed first
median 87.8% FG First Guaranty Bank 50.9% RR Red River Bank 77.8% GC Gulf Coast Bank & Trust Co. 85.2% HB Home Bank National Association 90.3% B B1bank 91.6% IB Investar Bank National Association 95.2%
Loans, year over yearLA banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.9% IB Investar Bank National Association +45.3% GC Gulf Coast Bank & Trust Co. +11.4% B B1bank +10.2% RR Red River Bank +5.7% HB Home Bank National Association +0.5% FG First Guaranty Bank -26.8%

SBA 7(a), FY2008 to FY2026

Investar Bank National Association is the 307th largest 7(a) lender into Texas of 706, with $7M across 12 loans, 0.0% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 8 of its 8 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Harris, TX$3M178th of 3140.0%quiet FY2013
Tarrant, TX$2M165th of 2810.1%quiet FY2020
Denton, TX$1M144th of 2240.1%quiet FY2010
Wichita, TX$375K50th of 650.3%quiet FY2014
Saint Tammany, LA$315K65th of 780.1%quiet FY2011
Ascension, LA$300K42nd of 550.2%quiet FY2011
Wise, TX$275K56th of 700.2%quiet FY2008
De Kalb, AL$85K26th of 310.1%quiet FY2009
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing2$2M31.1%0.01%1013th of 2,246
Accommodation & food services3$2M23.2%0.00%1301st of 2,596
Retail trade3$1M16.1%0.00%1432nd of 2,589
Professional & technical services3$1M15.7%0.00%938th of 1,955
Other services2$770K10.0%0.00%1288th of 2,248
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Investar Bank National Association
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans IB Investar Bank, National Associati… 0.0% $7M · 12 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Investar Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen204%3rd of 6206%
Construction against capital, the 100% screen58%3rd of 661%
Construction and land development, share of loans8.6%3rd of 69.4%
Non-owner-occupied nonfarm nonresidential, share of loans16.7%3rd of 617.6%
Total CRE, the guidance definition, share of loans30.0%2nd of 632.3%
CRE growth over 36 months, the third prong+13.5%3rd of 6+18.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
B1bank$8.89B1.2%61.5%1.26%0.12%0.9%91.6%12.2%
First Guaranty Bank$3.89B0.4%68.9%2.30%1.33%1.9%50.9%6.7%
Gulf Coast Bank & Trust Co.$3.86B1.1%74.0%1.60%0.42%1.8%85.2%8.4%
Investar Bank National Association$3.85B1.2%63.3%0.63%0.02%1.2%95.2%11.5%
Home Bank National Association$3.60B1.4%59.3%0.95%0.06%1.2%90.3%13.6%
Red River Bank$3.31B1.5%53.7%0.11%0.01%1.1%77.8%11.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Investar Bank National AssociationCohort median
20212026Change20212026Change
Loans$1.95B$3.06B+57%$1.94B$2.80B+45%
Deposits$2.27B$3.22B+42%$2.40B$3.26B+36%
NPA / loans1.07%0.63%-0.44 pts0.90%1.11%+0.21 pts
Efficiency70.1%63.3%-6.8 pts61.1%62.4%+1.3 pts
ROA0.94%1.18%+0.25 pts1.33%1.19%-0.14 pts

This read was prepared for Investar Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Investar Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort LA banks $3B to $10B
Institution www.investarbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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