Investar Bank, National Association
Baton Rouge, Louisiana, East Baton Rouge County
$3.9B in total assets, the 355th largest of 4,309 US banks and 5th of 104 headquartered in Louisiana.
- FDIC certificate
- 58316
- Established
- 2006
- Owned by
- Investar Holding Corp
- Primary regulator
- OCC
- Website
- http://www.investarbank.com
At a glance
Compared with 17 banks headquartered in Louisiana with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $3.9B | 82% | $1.3B | |
| Loans | $3.1B | 94% | $930M | |
| Deposits | $3.2B | 82% | $1.2B | |
| Return on assets | 1.12% | 41% | 1.18% | |
| Net interest margin | 4.20% | 53% | 4.14% | |
| Efficiency ratio | 61.6% | 38% | 68.1% | |
| Equity to assets | 11.55% | 59% | 11.08% | |
| Loans to deposits | 95% | 94% | 78% |
Growth
Total assets grew 7.6% a year over the last 5 years and 13.1% a year over 10 years, including 6 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2026 | First National Bank Wichita Falls, TX | $1.2B |
| Apr 2021 | Cheaha Bank Oxford, AL | $238M |
| Nov 2019 | Bank of York York, AL | $102M |
| Mar 2019 | Mainland Bank Texas City, TX | $134M |
| Dec 2017 | The Highlands Bank Jackson, LA | $154M |
| Jul 2017 | Citizen's Bank Ville Platte, LA | $250M |
| May 2013 | First Community Bank Hammond, LA | $106M |
| Oct 2011 | South Louisiana Business Bank Prairieville, LA | $51M |
Where they operate
36 branches in 22 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| East Baton Rouge County, LA | $716M | 3.5% | 7 of 35 |
| Wichita County, TX | $554M | 13.6% | 2 of 13 |
| Lafayette County, LA | $367M | 4.0% | 6 of 31 |
| Calhoun County, AL | $236M | 11.0% | 5 of 11 |
| Wise County, TX | $213M | 13.6% | 3 of 12 |
| Tarrant County, TX | $175M | 0.3% | 39 of 74 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 25 branches since 2016 (11 to 36, +227.3%). 11 opened, 24 acquired, 10 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 11 | |||
| 2016 | Closed Mandeville | 0 | 1 | −1 | 10 |
| 2017 | Acquired The Highlands Bank and Citizen's BankOpened Gonzales and Harahan | 10 | 0 | +10 | 20 |
| 2018 | Opened Baton Rouge | 1 | 0 | +1 | 21 |
| 2019 | Acquired Bank of York and Mainland BankOpened Lafayette and Westlake | 7 | 0 | +7 | 28 |
| 2020 | Opened 4 in 2 statesClosed Zachary | 4 | 1 | +3 | 31 |
| 2021 | Acquired Cheaha BankClosed Dickinson and Prairieville | 4 | 2 | +2 | 33 |
| 2022 | Closed Baton Rouge and Westlake | 0 | 2 | −2 | 31 |
| 2023 | Opened North PortClosed 3 in 2 states | 1 | 3 | −2 | 29 |
| 2024 | Opened ConroeClosed Anniston | 1 | 1 | 0 | 29 |
| 2026 through Q2 | Acquired First National Bank | 7 | 0 | +7 | 36 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 33% | 33% | |
| 1-4 family residential | 30% | 26% | |
| Business (C&I) | 19% | 14% | |
| Construction and land | 9% | 9% | |
| Multifamily | 5% | 4% | |
| Consumer | 0% | 5% | |
| Farmland | 0% | 2% | |
| Agricultural | 0% | 1% | |
| Other | 4% | 6% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 47% | 43% | |
| Time deposits | 33% | 38% | |
| Noninterest-bearing | 19% | 19% |
Brokered deposits are 2.0% of deposits (peers 9.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.63% | 1.20% |
| Net charge-offs, annualized | 0.03% | 0.19% |
| Reserves to loans | 1.18% | 1.15% |
| Leverage ratio | 10.75% | 11.35% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Louisiana
Largest competitors in East Baton Rouge County, LA
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/investar