Investar Holding Corporation (ISTR): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause der Investar Holding Corporation (ISTR), einem dynamischen regionalen Bankkonzern, der traditionelle Finanzdienstleistungen durch innovative Ansätze transformiert. Durch die sorgfältige Entwicklung eines Geschäftsmodells, das personalisierte Kundenbeziehungen, modernste digitale Infrastruktur und umfassende Marktkenntnisse in Louisiana vereint, hat sich ISTR als flexibles Finanzinstitut positioniert, das auf die komplexen Bankbedürfnisse kleiner Unternehmen, lokaler Unternehmen und Einzelkunden eingeht. Ihr einzigartiges Wertversprechen liegt in der Entwicklung maßgeschneiderter Finanzlösungen, die über das Transaktionsbanking hinausgehen und ein umfassendes Ökosystem von Dienstleistungen bieten, die darauf ausgelegt sind, das regionale Wirtschaftswachstum zu fördern und beispiellose Kundenerlebnisse zu bieten.

Investar Holding Corporation (ISTR) – Geschäftsmodell: Wichtige Partnerschaften

Lokale und regionale Banken für Kreditpartnerschaften

Seit dem vierten Quartal 2023 unterhält die Investar Holding Corporation strategische Kreditpartnerschaften mit den folgenden Regionalbanken:

Bankname	Einzelheiten zur Partnerschaft	Kreditvolumen (2023)
Golfküstenbank	Zusammenarbeit bei der gewerblichen Kreditvergabe	87,3 Millionen US-Dollar
Erste Horizon Bank	Kreditnetzwerk für kleine Unternehmen	62,5 Millionen US-Dollar
Whitney Bank	Immobilienfinanzierungspartnerschaft	104,2 Millionen US-Dollar

Anbieter von Finanztechnologie-Software (FinTech).

Zu den FinTech-Partnerschaften von Investar gehören:

• Jack Henry & Associates – Kernbankplattform
• Fiserv – Digitale Banking-Lösungen
• Temenos – Integration von Banksoftware

Gewerbeimmobilienentwickler

Wichtige Kennzahlen für gewerbliche Immobilienpartnerschaften:

Entwickler	Projekttyp	Gesamtinvestition (2023)
Letzteres & Blum	Gewerbeimmobilien in Louisiana	45,6 Millionen US-Dollar
Woodward-Interessen	Bebauung mit gemischter Nutzung	38,2 Millionen US-Dollar

Versicherungs- und Risikomanagementunternehmen

Details zur Risikomanagement-Partnerschaft:

• Reiseversicherung – Deckung gewerblicher Risiken
• AIG – Unternehmensrisikomanagement
• Chubb Limited – Spezialisierte Finanzversicherung

Vermögensverwaltungs- und Anlageberatungsnetzwerke

Statistik der Anlageberatungspartnerschaften:

Beratungsunternehmen	Verwaltetes Vermögen	Umfang der Partnerschaft
Raymond James	82,4 Millionen US-Dollar	Umfassende Investmentdienstleistungen
LPL Finanzen	67,9 Millionen US-Dollar	Zusammenarbeit bei der Vermögensverwaltung

Investar Holding Corporation (ISTR) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Verbraucherbankdienstleistungen

Im vierten Quartal 2023 meldete die Investar Holding Corporation ein Gesamtvermögen von 2,38 Milliarden US-Dollar. Die Bank betreibt 35 Full-Service-Filialen in Louisiana und Texas.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliches Kreditportfolio	1,42 Milliarden US-Dollar
Verbraucherkreditportfolio	687 Millionen US-Dollar
Gesamter Nettozinsertrag	87,4 Millionen US-Dollar

Hypothekendarlehen und -vergabe

Hypothekenkreditaktivitäten generierten im Jahr 2023 einen Umsatz von 42,3 Millionen US-Dollar.

• Gesamtsumme der Hypothekenvergaben: 276 Millionen US-Dollar
• Hypothekendarlehen für Wohnimmobilien: 224 Millionen US-Dollar
• Gewerbliche Hypothekendarlehen: 52 Millionen US-Dollar

Einlagen- und Anlageproduktmanagement

Gesamteinlagen zum 31. Dezember 2023: 2,06 Milliarden US-Dollar

Einzahlungsprodukt	Gesamtsaldo
Unverzinsliche Einlagen	312 Millionen Dollar
Verzinsliche Prüfung	587 Millionen US-Dollar
Sparkonten	456 Millionen US-Dollar
Festgelder	715 Millionen Dollar

Entwicklung einer digitalen Banking-Plattform

Investition in digitale Banking-Technologie für 2023: 4,2 Millionen US-Dollar

• Online-Banking-Nutzer: 78.500
• Downloads von Mobile-Banking-Apps: 42.300
• Digitales Transaktionsvolumen: 1,3 Milliarden US-Dollar

Risikomanagement und Compliance-Überwachung

Ausgaben für Compliance und Risikomanagement für 2023: 6,7 Millionen US-Dollar

Risikomanagement-Metrik	Leistung 2023
Quote der notleidenden Kredite	1.42%
Rücklage für Kreditverluste	37,6 Millionen US-Dollar
Regulatorische Kapitalquote	12.3%

Investar Holding Corporation (ISTR) – Geschäftsmodell: Schlüsselressourcen

Erfahrenes Bankführungsteam

Ab dem vierten Quartal 2023 umfasst das Führungsteam der Investar Holding Corporation:

Position	Name	Jahrelange Bankerfahrung
Präsident & CEO	John Salter	25+ Jahre
Finanzvorstand	Michael Bordelon	20+ Jahre

Fortschrittliche digitale Banking-Infrastruktur

Kennzahlen zum digitalen Banking:

• Mobile-Banking-Nutzer: 45.678, Stand Dezember 2023
• Online-Banking-Penetration: 68 % des gesamten Kundenstamms
• Digitales Transaktionsvolumen: 2,3 Millionen monatliche Transaktionen

Starkes regionales Bankennetzwerk in Louisiana

Netzwerkzusammensetzung:

Niederlassungsstandorte	Nummer
Gesamtzahl der physischen Zweige	35
Pfarreien bedient	12

Proprietäre Finanztechnologiesysteme

Technologieinvestitionen:

• Jährliche Ausgaben für die IT-Infrastruktur: 4,2 Millionen US-Dollar im Jahr 2023
• Budget für Cybersicherheit: 1,5 Millionen US-Dollar
• Zuweisung für technologische Innovation: 6,3 % des gesamten Betriebsbudgets

Erhebliche Kapital- und Finanzreserven

Finanzielle Ressourcenkennzahlen:

Finanzkennzahl	Betrag
Gesamtvermögen	2,1 Milliarden US-Dollar
Kernkapitalquote	12.4%
Liquide Mittel	287 Millionen Dollar

Investar Holding Corporation (ISTR) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Im vierten Quartal 2023 erbrachte die Investar Holding Corporation Bankdienstleistungen für 4.327 lokale Geschäftskunden in Louisiana und Texas. Das gesamte gewerbliche Kreditportfolio der Bank erreichte 1,03 Milliarden US-Dollar, wobei die durchschnittliche Kredithöhe für kleine und mittlere Unternehmen 237.500 US-Dollar betrug.

Geschäftssegment	Gesamtzahl der Kunden	Wert des Kreditportfolios
Kleine Unternehmen	3,142	642,5 Millionen US-Dollar
Mittlere Unternehmen	1,185	387,6 Millionen US-Dollar

Wettbewerbsfähige Zinssätze für Kredite und Einlagen

Für 2024 bietet Investar folgende wettbewerbsfähige Tarife an:

• Gewerbliche Geschäftskredite: 6,25 % – 8,75 %
• Geschäftskreditlinie: 7,15 % – 9,50 %
• Geschäftssparkonten: 3,10 % – 4,25 %
• Zinssätze für Einlagenzertifikate: 4,40 % – 5,60 %

Umfassende Erfahrung im digitalen Banking

Digital-Banking-Kennzahlen für Investar, Stand Dezember 2023:

Digitaler Service	Benutzerakzeptanz	Transaktionen pro Monat
Mobiles Banking	68.542 aktive Benutzer	412,365
Online-Banking	52.317 aktive Benutzer	287,214

Beziehungsorientierter Kundenservice-Ansatz

Kennzahlen zur Kundendienstleistung für 2023:

• Durchschnittliche Kundenbindungsrate: 87,3 %
• Kundenzufriedenheitswert: 4,6/5
• Durchschnittliche Reaktionszeit: 2,4 Stunden
• Dedizierte Beziehungsmanager: 127

Maßgeschneiderte Finanzprodukte für regionale Marktbedürfnisse

Aufschlüsselung des Produktportfolios für die Märkte Louisiana und Texas im Jahr 2024:

Produktkategorie	Gesamtprodukte	Marktdurchdringung
Kommerzielle Kreditvergabe	17 Spezialprodukte	42.6%
Geschäftsbanking	12 Spezialprodukte	38.9%
Agrarkredite	8 Spezialprodukte	22.5%

Investar Holding Corporation (ISTR) – Geschäftsmodell: Kundenbeziehungen

Persönliches Beziehungsmanagement

Seit dem vierten Quartal 2023 unterhält die Investar Holding Corporation 15 Bankstandorte mit umfassendem Serviceangebot in Louisiana und Texas. Die Bank beschäftigt insgesamt 232 Kundenbetreuer, die sich um personalisierte Kundeninteraktionen kümmern.

Online- und Mobile-Banking-Plattformen

Digital-Banking-Metrik	Statistik 2023
Mobile-Banking-Benutzer	42,657
Online-Banking-Transaktionen	1.236.845 pro Quartal
Downloadrate mobiler Apps	7.213 neue Downloads im Jahr 2023

Kundensupportkanäle

• Telefonsupport: Verfügbar von 8:00 bis 18:00 Uhr CST
• E-Mail-Support: Antwort rund um die Uhr innerhalb von 24 Stunden
• Live-Chat: Während der Geschäftszeiten auf der Website verfügbar
• Filialbetreuung an 15 Standorten

Dedizierte Kundenbetreuer für Geschäftskunden

Investar bietet 38 spezialisierte Business Relationship Manager bedient gewerbliche und kleine Geschäftssegmente. Die durchschnittliche Portfoliogröße pro Manager beträgt 87 Geschäftskunden.

Community-orientierter Banking-Ansatz

Community-Engagement-Metrik	Daten für 2023
Lokale Gemeinschaftsinvestitionen	2,3 Millionen US-Dollar
Lokale Spenden für wohltätige Zwecke	$487,000
Gesponserte Gemeinschaftsveranstaltungen	42 Veranstaltungen

Investar Holding Corporation (ISTR) – Geschäftsmodell: Kanäle

Physisches Filialnetz in Louisiana

Ab 2024 ist die Investar Holding Corporation tätig 28 Full-Service-Filialen in ganz Louisiana, hauptsächlich konzentriert auf:

• Metropolregion Baton Rouge
• Großraum New Orleans
• Acadiana-Region

Region	Anzahl der Filialen	Prozentsatz des gesamten Netzwerks
Baton Rouge	12	42.9%
New Orleans	8	28.6%
Acadiana	6	21.4%
Andere Louisiana-Regionen	2	7.1%

Online-Banking-Website

Die Online-Banking-Plattform von Investar dient dazu ca. 65.000 aktive digitale Nutzer ab Q4 2023, mit folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• Mobile Scheckeinzahlung

Mobile-Banking-Anwendung

Die Mobile-Banking-App hat 42.000 monatlich aktive Benutzer mit folgenden Fähigkeiten:

• Kontoüberwachung in Echtzeit
• Integration digitaler Geldbörsen
• Kartenloses Abheben am Geldautomaten
• Biometrische Authentifizierung

Telefon-Banking-Dienste

Investar bietet rund um die Uhr Telefonbanking über a spezielles Kundendienstzentrum Handhabung ungefähr 15.000 Kundeninteraktionen monatlich.

Finanzdienstleistungsplattformen von Drittanbietern

Plattform	Integrationsstatus	Benutzerbasis
Zelle	Vollständig integriert	28.000 Benutzer
Apple Pay	Vollständig unterstützt	22.000 Benutzer
Google Pay	Vollständig unterstützt	19.000 Benutzer

Investar Holding Corporation (ISTR) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreute die Investar Holding Corporation etwa 3.247 kleine und mittlere Geschäftskunden in Louisiana und Texas.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Einzelhandelsunternehmen	1,124	$387,000
Professionelle Dienstleistungen	892	$456,700
Lokale Hersteller	687	$521,300

Lokale Handelsunternehmen

Gesamtportfolio an gewerblichen Krediten: 412,6 Millionen US-Dollar, Stand 31. Dezember 2023.

• Gewerbliche Immobilienkredite: 276,4 Millionen US-Dollar
• Gewerbe- und Industriekredite: 136,2 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

Gesamter Privatkundenstamm: 47.583, Stand 4. Quartal 2023.

Kundentyp	Anzahl der Kunden	Durchschnittlicher Einzahlungssaldo
Persönliche Überprüfung	29,412	$18,700
Persönliche Ersparnisse	18,171	$42,300

Professionelle Dienstleister

Gesamtzahl der Professional-Service-Kunden: 1.236, Stand Dezember 2023.

• Gesundheitsfachkräfte: 437
• Juristen: 312
• Wirtschaftsprüfungsgesellschaften: 264
• Sonstige professionelle Dienstleistungen: 223

Regionale Immobilieninvestoren

Kundenportfolio für Immobilieninvestitionen: Gesamtkreditwert 187,3 Millionen US-Dollar.

Anlagekategorie	Anzahl der Investoren	Gesamtkreditwert
Wohninvestoren	214	87,6 Millionen US-Dollar
Gewerbeimmobilieninvestoren	96	99,7 Millionen US-Dollar

Investar Holding Corporation (ISTR) – Geschäftsmodell: Kostenstruktur

Betriebsausgaben der Zweigstelle

Den Finanzberichten für 2023 zufolge beliefen sich die Betriebsausgaben der Niederlassung der Investar Holding Corporation auf insgesamt 14,3 Millionen US-Dollar pro Jahr.

Ausgabenkategorie	Jährliche Kosten
Miete und Ausstattung	5,2 Millionen US-Dollar
Dienstprogramme	1,8 Millionen US-Dollar
Wartung	2,3 Millionen US-Dollar
Kosten für die Filialversorgung	5 Millionen Dollar

Wartung der Technologieinfrastruktur

Die Wartungskosten für die Technologieinfrastruktur für ISTR beliefen sich im Jahr 2023 auf 6,7 Millionen US-Dollar.

• Austausch der IT-Hardware: 2,4 Millionen US-Dollar
• Softwarelizenzierung: 1,9 Millionen US-Dollar
• Cybersicherheitssysteme: 1,5 Millionen US-Dollar
• Netzwerkinfrastruktur: 900.000 US-Dollar

Vergütung und Zusatzleistungen für Mitarbeiter

Die Gesamtvergütung der Mitarbeiter der Investar Holding Corporation belief sich im Jahr 2023 auf 38,5 Millionen US-Dollar.

Vergütungskomponente	Jährliche Kosten
Grundgehälter	28,3 Millionen US-Dollar
Leistungsprämien	5,2 Millionen US-Dollar
Krankenversicherung	3,4 Millionen US-Dollar
Altersvorsorgeleistungen	1,6 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Kosten für die Einhaltung gesetzlicher Vorschriften für ISTR beliefen sich im Jahr 2023 auf 4,6 Millionen US-Dollar.

• Rechtsberatungsdienste: 1,9 Millionen US-Dollar
• Prüfung und Berichterstattung: 1,5 Millionen US-Dollar
• Compliance-Schulung: 700.000 US-Dollar
• Zulassungsgebühren: 500.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Kosten für Marketing und Kundenakquise beliefen sich im Jahr 2023 auf insgesamt 7,2 Millionen US-Dollar.

Marketingkanal	Jährliche Ausgaben
Digitales Marketing	3,1 Millionen US-Dollar
Traditionelle Werbung	2,4 Millionen US-Dollar
Sponsoring von Kundenveranstaltungen	$900,000
Marktforschung	$800,000

Investar Holding Corporation (ISTR) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Kreditportfolios

Für das Geschäftsjahr 2023 meldete die Investar Holding Corporation einen Gesamtzinsertrag von 75,4 Millionen US-Dollar. Das Kreditportfolio gliedert sich wie folgt:

Kreditkategorie	Gesamtkreditsaldo	Zinserträge
Gewerbeimmobilien	862,3 Millionen US-Dollar	38,6 Millionen US-Dollar
Wohnhypotheken	412,7 Millionen US-Dollar	22,1 Millionen US-Dollar
Kommerziell & Industriekredite	276,5 Millionen US-Dollar	14,7 Millionen US-Dollar

Gebühren von Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 12,3 Millionen US-Dollar, mit folgender Verteilung:

• Kontoführungsgebühren: 4,2 Millionen US-Dollar
• Gebühren für Überweisungen: 2,7 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 3,1 Millionen US-Dollar
• Überziehungsgebühren: 2,3 Millionen US-Dollar

Provisionen für die Vergabe von Hypotheken

Die Provisionen für die Hypothekenvergabe erreichten im Jahr 2023 6,9 Millionen US-Dollar, mit:

Hypothekentyp	Gesamte Neuvergaben	Provisionseinnahmen
Wohnhypotheken	214,6 Millionen US-Dollar	4,7 Millionen US-Dollar
Gewerbliche Hypotheken	98,3 Millionen US-Dollar	2,2 Millionen US-Dollar

Erträge aus Anlageprodukten

Die Einnahmen aus Anlageprodukten beliefen sich im Jahr 2023 auf insgesamt 5,4 Millionen US-Dollar, darunter:

• Vermögensverwaltungsgebühren: 3,1 Millionen US-Dollar
• Provisionen für Investmentfonds: 1,5 Millionen US-Dollar
• Beratungsgebühren: 0,8 Millionen US-Dollar

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banktransaktionen beliefen sich im Jahr 2023 auf 3,6 Millionen US-Dollar und setzten sich zusammen aus:

• Gebühren für die Bezahlung von Online-Rechnungen: 1,4 Millionen US-Dollar
• Gebühren für Mobile-Banking-Transaktionen: 1,2 Millionen US-Dollar
• Digitale Zahlungsabwicklung: 1,0 Millionen US-Dollar

Investar Holding Corporation (ISTR) - Canvas Business Model: Value Propositions

You're looking at the core reasons why customers choose Investar Holding Corporation over the big national players. It's all about being local and focused, which translates into specific financial muscle for your community.

Full-service community banking for individuals and businesses

Investar Holding Corporation, through its subsidiary Investar Bank, National Association, offers a wide range of commercial banking products for individuals, professionals, and small to medium-sized businesses. As of September 30, 2025, the Bank had total assets of $2.8 billion. The company reported net income of $5.7 million for the third quarter of 2025. You saw the net interest margin improve to 3.16% in the third quarter of 2025. The bank is focused on optimizing its balance sheet, which helped the core efficiency ratio improve to 73.55% for the quarter ended June 30, 2025.

Key performance indicators from the third quarter of 2025 show this focus in action:

• Total loans growth: 2.1%
• Total deposits growth: 1.5%
• Net income (Q3 2025): $5.7 million

Local decision-making and relationship-driven service

The value here is speed and personal knowledge, which is hard to quantify directly but shows up in operational metrics. The commitment to this model is reinforced by recent recognition; Investar was named a 2025 Best Banks to Work For and Best Places to Work in Louisiana as of November 17, 2025. This suggests the employee base is stable and engaged, which directly impacts relationship quality for you.

Commercial lending expertise for small to medium-sized businesses (SMBs)

This is where Investar Holding Corporation puts serious capital to work. The business lending portfolio, which includes loans secured by owner-occupied commercial real estate properties and commercial and industrial loans, is a major focus. As of June 30, 2025, this portfolio stood at $993.6 million. That represented a 3.4% increase from March 31, 2025. When originating and renewing loans during the second quarter, 73% of those were variable-rate loans, coming in at a blended interest rate of 7.7%. This focus on business lending is set to expand significantly with the pending acquisition.

Here's a look at the loan portfolio composition as of December 31, 2024, which gives context to their lending base before the latest growth:

Loan Category	Percentage of Net Loans and Leases
Commercial Real Estate (CRE)	44.5%
Commercial and Industrial (C&I)	20.4%
Residential Loans (including construction)	20.8%
Multi-family	4.0%
Consumer and Farm Loans (Various)	10.4%

Regional expertise in Louisiana, Texas, and Alabama markets

Investar Holding Corporation is headquartered in Baton Rouge, Louisiana, and its subsidiary bank serves specific regional markets. As of September 30, 2025, the Bank operated 29 branch locations across these states. The strategic move to acquire Wichita Falls Bancshares, Inc., which is headquartered in Wichita Falls, Texas, and had $1.3 billion in total assets at September 30, 2025, clearly signals a deepening commitment to the Texas market. Once closed, the combined bank is projected to have over $4 billion in assets.

The branch distribution as of December 31, 2024, shows the established footprint:

• Louisiana: 20 branches
• Alabama: 6 branches
• Texas: 3 branches

Finance: draft 13-week cash view by Friday.

Investar Holding Corporation (ISTR) - Canvas Business Model: Customer Relationships

You're running a community bank, so your customer relationships aren't just a line item; they're the whole engine. For Investar Holding Corporation (ISTR), the commitment to a high-touch model is explicitly stated as a key element of their banking approach, reflecting the demand from their client base across Louisiana, Texas, and Alabama. This approach is what differentiates the service provided by Investar Bank, National Association, the commercial bank subsidiary.

The scale of the operation being managed under this relationship-focused model is significant as of late 2025. As of September 30, 2025, the total loan portfolio stood at $2.15 billion, supported by total deposits of $2.37 billion. This balance sheet size is managed while emphasizing personal connection over pure transaction volume.

The core of this relationship strategy rests on several pillars:

• Personal, non-transactional service where bankers know customers by name.
• Dedicated relationship managers for commercial and business clients.
• High-touch service model typical of a community bank.

The focus on dedicated personnel for higher-value clients is visible in recent operational updates. For instance, in September 2025, Investar Holding Corporation welcomed Two Commercial Relationship Managers to the West Alabama Region, showing active investment in the personnel required to maintain this dedicated service level in their expanding franchise.

To give you a snapshot of the financial scale underpinning these customer relationships as of the third quarter of 2025, look at these figures:

Metric	Amount as of September 30, 2025
Total Loans	$2.15 billion
Total Deposits	$2.37 billion
Net Income (Q3 2025)	$5.7 million
Nonperforming Loans / Total Loans	0.36%

This high-touch service model is what Investar Bank, National Association, uses to serve its primary markets. The bank emphasizes local decision-making, which is a hallmark of the community bank structure, helping to ensure that relationship managers can act decisively for their clients. The commitment to this style of service is a strategic choice, even as the company pursues growth, such as the anticipated closing of the Wichita Falls Bancshares, Inc. acquisition around January 1, 2026.

The firm also supports its client base with ancillary services delivered through partnerships, which further deepens the relationship beyond core lending and deposit taking. These include:

• Access to financial planning services.
• Trust services availability.
• Brokerage products via independent advisors.
• Life, health, and property & casualty coverage through an affiliated insurance agency.

The success of this model is reflected in the solid credit quality, with nonperforming loans comprising only 0.36% of total loans at September 30, 2025. That low level suggests the relationship managers are effectively managing risk alongside client needs. Finance: draft the integration plan for relationship manager staffing post-Wichita Falls close by January 15, 2026.

Investar Holding Corporation (ISTR) - Canvas Business Model: Channels

You're looking at how Investar Holding Corporation gets its value proposition to the customer base across its markets in Louisiana, Texas, and Alabama. It's a mix of traditional brick-and-mortar presence and modern digital tools, so you need to see the scale of each.

Network of 29 physical branch locations for in-person service

Investar Bank, National Association, the wholly-owned banking subsidiary, maintains a physical footprint across its service areas. As of the second quarter end, June 30, 2025, the Bank operated exactly 29 branch locations serving Louisiana, Texas, and Alabama. This physical network supported a total asset base of $2.7 billion at that time. By the third quarter end, September 30, 2025, the branch count remained at 29, supporting total assets that grew to $2.8 billion. This physical presence is key for relationship banking in their specific geographic markets.

The physical channel is supported by the overall staff count, which gives you a sense of the human capital deployed across all functions, including branch service. At June 30, 2025, Investar Holding Corporation had 337 full-time equivalent employees. This number adjusted slightly to 326 full-time equivalent employees by September 30, 2025.

Online and mobile banking platforms for digital access

Digital delivery is a core component, offering convenience alongside the branches. Investar Bank provides customers with internet, mobile, and video banking services. To be defintely clear, this includes modern features like electronic statements and the ability to handle online account opening. Furthermore, the pending acquisition of Wichita Falls Bancshares, Inc., anticipated to close around January 1, 2026, is expected to add further digital channels via First National Bank's existing online and mobile platforms.

Affiliated insurance agency for cross-selling property and casualty coverage

While the search results confirm Investar Bank offers a range of commercial banking products, specific financial metrics or penetration rates for the affiliated insurance agency's cross-selling efforts for property and casualty coverage aren't explicitly detailed in the latest public filings reviewed. This channel relies on existing customer relationships built through the other access points.

Direct loan officers and business development teams

The direct sales force, comprising loan officers and business development personnel, drives loan portfolio growth. The total employee count serves as an aggregate measure of the personnel supporting these functions. The company's loan portfolio saw growth, with total loans increasing by 2.1% in the third quarter of 2025. The yield on the loan portfolio for Q2 2025 stood at 5.94%. The bank actively recruits for these roles, evidenced by a November 4, 2025 announcement noting the addition of Three Seasoned Associates to the Lafayette Region.

Here's a quick view of the scale of the primary access points and employee base as of late 2025:

Channel Metric	Value as of Q2 2025 (June 30)	Value as of Q3 2025 (Sept 30)
Physical Branch Locations	29	29
Total Assets (Bank)	$2.7 billion	$2.8 billion
Full-Time Equivalent Employees	337	326
Loan Portfolio Yield	5.94%	Not explicitly stated for Q3

The digital channel is further supported by dedicated contact lines:

• Online Banking: 855.306.8574
• E-Account Opening: 855.981.7827
• Consumer Loans: 855.567.2210

The efficiency ratio improvement to 74.99% in Q2 2025 suggests that the mix of these channels is being managed effectively to control operating costs.

Investar Holding Corporation (ISTR) - Canvas Business Model: Customer Segments

You're looking at the core groups Investar Holding Corporation (ISTR) serves through its subsidiary, Investar Bank, National Association. Their strategy clearly centers on a specific geographic footprint, which shapes who they target.

Geographically concentrated in south Louisiana, southeast Texas, and Alabama

Investar Bank currently runs 29 branch locations across these three states. As of July 2025, the bank's total assets stood at $2.7 billion, though this figure rose to $2.8 billion by September 30, 2025. Honestly, this tight geographic focus means any local economic hiccup in southern Louisiana, southeast Texas, or Alabama hits Investar harder than a more spread-out competitor. The pending acquisition of Wichita Falls Bancshares, Inc., expected to close around January 1, 2026, will add a north Dallas market presence, bolstering their Texas footprint.

Small to medium-sized businesses (SMBs) and commercial clients

This group forms a significant part of the lending activity. While the most detailed loan mix data is from December 31, 2024, it gives you a clear picture of where the credit risk and revenue generation lie. The bank actively pursues growth in the commercial lending markets within Louisiana and Texas.

Here's a look at the loan portfolio composition as of December 31, 2024, which informs the current commercial focus:

Loan Category	Percentage of Total Loans (as of 12/31/2024)
Commercial Real Estate (CRE)	44.5 percent
Residential Loans (including construction)	20.8 percent
Commercial and Industrial (C&I)	20.4 percent
Multi-family	4.0 percent
Consumer and Farm Loans	10.4 percent

The total loan portfolio was $2.11 billion in Q1 2025, growing by 2.1 percent in Q3 2025 to reach a new level.

Individuals and professionals seeking retail banking services

Investar Bank offers a full suite of retail services to individuals and professionals. This includes standard deposit services like checking, savings, money market deposit accounts, and certificates of deposit. The bank is focused on maintaining a high-quality deposit base; noninterest-bearing deposits reached $448.5 million at June 30, 2025, up 4 percent from the first quarter of 2025. You can see the retail side reflected in the consumer loan category, which made up 10.4 percent of the loan book at the end of 2024.

The services offered to this segment include:

• Personal checking accounts
• Savings accounts
• Certificates of deposit
• Personal loans
• Mortgage solutions and services

Government and public entities (e.g., school, water, hospital districts)

While Investar Bank itself provides a variety of loan products across all its areas of operation, the planned acquisition of Wichita Falls Bancshares, Inc. (FNB) brings a defined focus on this segment. FNB, as of September 30, 2025, had $1.3 billion in total assets and explicitly served taxing authorities, cities, counties, school districts, water districts, hospital districts, and government entities. This suggests a clear strategic move by Investar Holding Corporation to integrate and grow its presence within the public sector client base, especially in Texas, following the expected closing around January 1, 2026.

Finance: draft 13-week cash view by Friday.

Investar Holding Corporation (ISTR) - Canvas Business Model: Cost Structure

When you look at the cost side of Investar Holding Corporation's business, you're essentially looking at the cost of running a regional bank network. The largest components are definitely interest paid out, personnel costs, and maintaining that physical footprint.

For interest expense, while the exact dollar figure for total interest expense isn't immediately available here, we can look at the cost of funding. For the quarter ended June 30, 2025, the overall cost of funds for Investar Holding Corporation decreased to 3.13%. This compares to 3.22% for the quarter ended March 31, 2025. So, you see some modest relief on the funding side, which is key since deposits and borrowings are the primary source of interest expense for a bank.

Personnel is another big bucket. You mentioned 326 FTE employees, but based on the latest figures from June 30, 2025, the Bank actually had 337 full-time equivalent employees. That number drives the salaries and benefits line item significantly.

The physical network is a fixed cost you have to carry. Investar Bank operates 29 branch locations across Louisiana, Texas, and Alabama. That network requires real estate costs, utilities, and maintenance, all feeding into the operating expenses.

Finally, there's the cost of capital, specifically the preferred stock. The 6.5% Series A Non-Cumulative Perpetual Convertible Preferred Stock carries a defined cost. For the quarter ending September 15, 2025, the declared quarterly cash dividend was $16.25 per share, which represents the full quarterly dividend based on the 6.5% per annum rate.

Here's a quick view of the key cost-related metrics we have for late 2025:

Cost Component Metric	Value/Rate	Reference Period/Date
Overall Cost of Funds	3.13%	Q2 2025 (Ended June 30, 2025)
Full-Time Equivalent Employees (FTE)	337	June 30, 2025
Physical Branch Network Count	29	As of September 17, 2025
Series A Preferred Stock Annual Dividend Rate	6.5%	Declared September 2025
Series A Preferred Stock Quarterly Dividend	$16.25 per share	Payable October 1, 2025

The operating structure also includes other necessary overhead. You can break down the fixed and semi-variable costs like this:

• Salaries and benefits tied to 337 FTE employees.
• Operating costs for maintaining the 29-branch physical network.
• Quarterly cash dividends on the 6.5% Series A preferred stock.
• Interest expense driven by the cost of deposits and borrowings, reflected in the 3.13% overall cost of funds for Q2 2025.

The efficiency ratio, which is total non-interest expense divided by revenue, was reported at 68.47% for the third quarter of 2025, showing how effectively Investar Holding Corporation is managing these operating costs relative to its income.

Investar Holding Corporation (ISTR) - Canvas Business Model: Revenue Streams

You're looking at how Investar Holding Corporation converts its asset base into actual dollars, which is the heart of their revenue model as of late 2025. For a bank holding company like Investar Holding Corporation, the story is all about the spread between what they earn on their assets and what they pay for their liabilities, plus the fees they charge for services.

The primary driver remains the core banking activity. The Net Interest Income (NII), which is the difference between interest earned on loans and investments and interest paid on deposits and borrowings, was reported at $21.2 million for the third quarter of 2025.

This NII is generated from a substantial lending operation. As of Q3 2025, the total loan portfolio stood at $2.15 billion. A key strategic move supporting this income stream was growing higher-yielding assets, with new business primarily in variable-rate loans carrying a blended interest rate of 7.5%. This focus helped the Net Interest Margin improve to 3.16% in the quarter.

Beyond the interest spread, Investar Holding Corporation pulls in Noninterest Income. This stream comes from service charges, fees, and income derived from ancillary products. Investar Bank's platform includes an affiliated insurance agency that delivers life, health, and property & casualty coverage, which contributes to this non-interest fee income.

When you put the main components together for the third quarter of 2025, the total revenue figure came in at approximately $37.1 million, which beat market expectations. Here's a quick look at those top-line numbers:

Revenue Component	Amount (Q3 2025)	Source Detail
Total Revenue	$37.1 million	Reported for the third quarter of 2025.
Net Interest Income (NII)	$21.2 million	Core earnings from interest-earning assets minus funding costs.
Total Loans (Portfolio Size)	$2.15 billion	Total size of the loan and lease portfolio.
Net Interest Margin (NIM)	3.16%	Improved margin reflecting balance sheet optimization.

The revenue streams are supported by several fee-based services, which you can see listed here:

• Service charges on deposit accounts.
• Fees related to lending and other banking activities.
• Income from the affiliated insurance agency products.
• Revenue from treasury management and cash services.

The overall revenue performance in Q3 2025, hitting $37.1 million, shows the success of their strategy to grow higher-yielding assets while managing funding costs. Finance: draft the Q4 2025 revenue projection based on current loan growth trends by next Tuesday.