Investar Holding Corporation (ISTR): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumerja el plan estratégico de Investigar Holding Corporation (ISTR), una potencia bancaria regional dinámica que transforma los servicios financieros tradicionales a través de enfoques innovadores. Al crear meticulosamente un modelo de negocio que combina relaciones personalizadas de los clientes, infraestructura digital de vanguardia y experiencia profunda del mercado de Louisiana, ISTR se ha posicionado como una institución financiera ágil que aborda las complejas necesidades bancarias de pequeñas empresas, empresas locales y clientes individuales. Su propuesta de valor única radica en la creación de soluciones financieras personalizadas que van más allá de la banca transaccional, ofreciendo un ecosistema integral de servicios diseñados para potenciar el crecimiento económico regional y proporcionar experiencias de clientes incomparables.

Investigar Holding Corporation (ISTR) - Modelo de negocios: asociaciones clave

Bancos locales y regionales para las asociaciones de préstamos

A partir del cuarto trimestre de 2023, Investigar Holding Corporation mantiene asociaciones de préstamos estratégicos con los siguientes bancos regionales:

Nombre del banco	Detalles de la asociación	Volumen de préstamo (2023)
Banco de la Costa del Golfo	Colaboración de préstamos comerciales	$ 87.3 millones
First Horizon Bank	Red de préstamos para pequeñas empresas	$ 62.5 millones
Whitney Bank	Asociación de financiamiento inmobiliario	$ 104.2 millones

Proveedores de software de tecnología financiera (fintech)

Las asociaciones FinTech de Investigar incluyen:

• Jack Henry & Asociados - Plataforma bancaria central
• FISERV - Soluciones de banca digital
• Temenos - Integración de software bancario

Desarrolladores de bienes raíces comerciales

Métricas clave de asociaciones de bienes raíces comerciales:

Revelador	Tipo de proyecto	Inversión total (2023)
Último & Cañón	Propiedades comerciales de Louisiana	$ 45.6 millones
Intereses de Woodward	Desarrollo de uso mixto	$ 38.2 millones

Seguros y empresas de gestión de riesgos

Detalles de la asociación de gestión de riesgos:

• Seguro de los viajeros: cobertura de riesgo comercial
• AIG - Gestión de riesgos empresariales
• Chubb Limited - Seguro financiero especializado

Redes de asesoramiento de gestión de patrimonio y inversiones

Estadísticas de asociación de asesoramiento de inversiones:

Firma de asesoramiento	Activos bajo administración	Alcance de la asociación
Raymond James	$ 82.4 millones	Servicios de inversión integrales
LPL Financial	$ 67.9 millones	Colaboración de gestión de patrimonio

Investigar Holding Corporation (ISTR) - Modelo de negocio: actividades clave

Servicios de banca comercial y de consumo

A partir del cuarto trimestre de 2023, Investigar Holding Corporation reportó activos totales de $ 2.38 mil millones. El banco opera 35 sucursales de servicio completo en Louisiana y Texas.

Categoría de servicio bancario	Volumen total (2023)
Cartera de préstamos comerciales	$ 1.42 mil millones
Cartera de préstamos al consumidor	$ 687 millones
Ingresos por intereses netos totales	$ 87.4 millones

Préstamo y origen hipotecario

Las actividades de préstamos hipotecarios generaron $ 42.3 millones en ingresos para 2023.

• Originaciones totales de hipotecas: $ 276 millones
• Préstamos hipotecarios residenciales: $ 224 millones
• Préstamos hipotecarios comerciales: $ 52 millones

Gestión de productos de depósito e inversión

Depósitos totales al 31 de diciembre de 2023: $ 2.06 mil millones

Producto de depósito	Saldo total
Depósitos de cojinete sin interés	$ 312 millones
Verificación de intereses	$ 587 millones
Cuentas de ahorro	$ 456 millones
Depósitos de tiempo	$ 715 millones

Desarrollo de la plataforma de banca digital

Inversión en tecnología de banca digital para 2023: $ 4.2 millones

• Usuarios bancarios en línea: 78,500
• Descargas de aplicaciones de banca móvil: 42,300
• Volumen de transacción digital: $ 1.3 mil millones

Gestión de riesgos y monitoreo de cumplimiento

Gastos de cumplimiento y gestión de riesgos para 2023: $ 6.7 millones

Métrica de gestión de riesgos	2023 rendimiento
Relación de préstamos sin rendimiento	1.42%
Reserva de pérdida de préstamo	$ 37.6 millones
Relación de capital regulatorio	12.3%

Investigar Holding Corporation (ISTR) - Modelo de negocio: recursos clave

Equipo de liderazgo bancario experimentado

A partir del cuarto trimestre de 2023, el equipo de liderazgo de Investigar Holding Corporation incluye:

Posición	Nombre	Años de experiencia bancaria
Presidente & CEO	John Salter	Más de 25 años
Director financiero	Michael Bordelon	Más de 20 años

Infraestructura de banca digital avanzada

Métricas bancarias digitales:

• Usuarios de banca móvil: 45,678 a diciembre de 2023
• Penetración bancaria en línea: 68% de la base total de clientes
• Volumen de transacciones digitales: 2.3 millones de transacciones mensuales

Red bancaria regional fuerte en Louisiana

Composición de red:

Ubicaciones de ramas	Número
Ramas físicas totales	35
Parroquias servidas	12

Sistemas de tecnología financiera patentada

Inversión tecnológica:

• Gasto anual de infraestructura de TI: $ 4.2 millones en 2023
• Presupuesto de ciberseguridad: $ 1.5 millones
• Asignación de innovación tecnológica: 6.3% del presupuesto operativo total

Capital sustancial y reservas financieras

Métricas de recursos financieros:

Métrica financiera	Cantidad
Activos totales	$ 2.1 mil millones
Relación de capital de nivel 1	12.4%
Activo líquido	$ 287 millones

Investigar Holding Corporation (ISTR) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Investigar Holding Corporation proporcionó servicios bancarios a 4,327 clientes comerciales locales en Louisiana y Texas. La cartera de préstamos comerciales totales del banco alcanzó los $ 1.03 mil millones, con un tamaño de préstamo promedio de $ 237,500 para empresas pequeñas a medianas.

Segmento de negocios	Total de clientes	Valor de la cartera de préstamos
Pequeñas empresas	3,142	$ 642.5 millones
Empresas medianas	1,185	$ 387.6 millones

Tasas de interés competitivas sobre préstamos y depósitos

Para 2024, InvestAR ofrece las siguientes tarifas competitivas:

• Préstamos comerciales comerciales: 6.25% - 8.75%
• Línea comercial de crédito: 7.15% - 9.50%
• Cuentas de ahorro de negocios: 3.10% - 4.25%
• Certificado de tasas de depósito: 4.40% - 5.60%

Experiencia bancaria digital integral

Métricas de banca digital para Investar a partir de diciembre de 2023:

Servicio digital	Adopción de usuarios	Transacciones por mes
Banca móvil	68,542 usuarios activos	412,365
Banca en línea	52,317 usuarios activos	287,214

Enfoque de servicio al cliente basado en relaciones

Métricas de rendimiento del servicio al cliente para 2023:

• Tasa promedio de retención de clientes: 87.3%
• Puntuación de satisfacción del cliente: 4.6/5
• Tiempo de respuesta promedio: 2.4 horas
• Gerentes de relaciones dedicadas: 127

Productos financieros personalizados para necesidades regionales del mercado

Desglose de la cartera de productos para los mercados de Louisiana y Texas en 2024:

Categoría de productos	Total de productos	Penetración del mercado
Préstamo comercial	17 productos especializados	42.6%
Banca de negocios	12 productos especializados	38.9%
Préstamo agrícola	8 productos especializados	22.5%

Investigar Holding Corporation (ISTR) - Modelo de negocios: relaciones con los clientes

Gestión de relaciones personales

A partir del cuarto trimestre de 2023, Investigar Holding Corporation mantiene 15 ubicaciones bancarias de servicio completo en Louisiana y Texas. El banco emplea a 232 gerentes de relaciones totales dedicados a interacciones personalizadas del cliente.

Plataformas de banca en línea y móvil

Métrica de banca digital	2023 estadísticas
Usuarios de banca móvil	42,657
Transacciones bancarias en línea	1.236.845 por trimestre
Tasa de descarga de la aplicación móvil	7,213 nuevas descargas en 2023

Canales de atención al cliente

• Soporte telefónico: disponible de 8 a.m. a 6 p.m. CST
• Soporte por correo electrónico: respuesta 24/7 dentro de las 24 horas
• Chat en vivo: disponible en el sitio web durante el horario comercial
• Soporte en la rama en 15 ubicaciones

Gerentes de relaciones dedicadas para clientes comerciales

Investar proporciona 38 gerentes especializados de relaciones comerciales Sirviendo segmentos comerciales y de pequeñas empresas. El tamaño promedio de la cartera por gerente es de 87 clientes comerciales.

Enfoque bancario centrado en la comunidad

Métrica de compromiso de la comunidad	2023 datos
Inversiones de la comunidad local	$ 2.3 millones
Donaciones caritativas locales	$487,000
Eventos comunitarios patrocinados	42 eventos

Investigar Holding Corporation (ISTR) - Modelo de negocio: canales

Red de sucursales físicas en Louisiana

A partir de 2024, Investigar Holding Corporation opera 28 ramas de servicio completo a través de Louisiana, principalmente concentrado en:

• Área metropolitana de Baton Rouge
• Gran región de Nueva Orleans
• Región de acadiana

Región	Número de ramas	Porcentaje de red total
Baton Rouge	12	42.9%
Nueva Orleáns	8	28.6%
Acadiana	6	21.4%
Otras regiones de Louisiana	2	7.1%

Sitio web de banca en línea

La plataforma bancaria en línea de Investar sirve aproximadamente 65,000 usuarios digitales activos A partir del cuarto trimestre de 2023, con las siguientes características:

• Gestión de cuentas
• Transferencias de fondos
• Servicios de pago de facturas
• Depósito de cheque móvil

Aplicación de banca móvil

La aplicación de banca móvil tiene 42,000 usuarios activos mensuales Con las siguientes capacidades:

• Monitoreo de cuentas en tiempo real
• Integración de billetera digital
• Retiros de cajero automático sin tarjeta
• Autenticación biométrica

Servicios de banca telefónica

Investar ofrece banca telefónica las 24 horas, los 7 días de la semana a través de un Centro de servicio al cliente dedicado manejo aproximadamente 15,000 interacciones con el cliente mensualmente.

Plataformas de servicios financieros de terceros

Plataforma	Estado de integración	Base de usuarios
Zelle	Totalmente integrado	28,000 usuarios
Apple Pay	Totalmente compatible	22,000 usuarios
Pago de Google	Totalmente compatible	19,000 usuarios

Investigar Holding Corporation (ISTR) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas

A partir del cuarto trimestre de 2023, Investigar Holding Corporation sirvió aproximadamente 3,247 clientes comerciales pequeños a medianos en Louisiana y Texas.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Negocios minoristas	1,124	$387,000
Servicios profesionales	892	$456,700
Fabricantes locales	687	$521,300

Empresas comerciales locales

Cartera total de préstamos comerciales: $ 412.6 millones al 31 de diciembre de 2023.

• Préstamos inmobiliarios comerciales: $ 276.4 millones
• Préstamos comerciales e industriales: $ 136.2 millones

Clientes de banca minorista individual

Base de clientes minoristas totales: 47,583 a partir del cuarto trimestre de 2023.

Tipo de cliente	Número de clientes	Saldo de depósito promedio
Comprobación personal	29,412	$18,700
Ahorros personales	18,171	$42,300

Proveedores de servicios profesionales

Total de clientes profesionales del servicio: 1.236 a diciembre de 2023.

• Profesionales de la salud: 437
• Profesionales legales: 312
• Firmas de contabilidad: 264
• Otros servicios profesionales: 223

Inversores inmobiliarios regionales

Portafolio de clientes de inversión inmobiliaria: $ 187.3 millones en valor total del préstamo.

Categoría de inversión	Número de inversores	Valor total del préstamo
Inversores residenciales	214	$ 87.6 millones
Inversores de propiedades comerciales	96	$ 99.7 millones

Investigar Holding Corporation (ISTR) - Modelo de negocio: Estructura de costos

Gastos operativos de rama

A partir de los informes financieros de 2023, los gastos operativos de la sucursal de Investar Holdar Corporation totalizaron $ 14.3 millones anuales.

Categoría de gastos	Costo anual
Alquiler e instalaciones	$ 5.2 millones
Utilidades	$ 1.8 millones
Mantenimiento	$ 2.3 millones
Costos de suministro de sucursal	$ 5 millones

Mantenimiento de la infraestructura tecnológica

Los costos de mantenimiento de la infraestructura tecnológica para ISTR fueron de $ 6.7 millones en 2023.

• Reemplazo de hardware de TI: $ 2.4 millones
• Licencias de software: $ 1.9 millones
• Sistemas de ciberseguridad: $ 1.5 millones
• Infraestructura de red: $ 900,000

Compensación y beneficios de los empleados

La compensación total de empleados para Investigar Holding Corporation en 2023 fue de $ 38.5 millones.

Componente de compensación	Costo anual
Salarios base	$ 28.3 millones
Bonos de rendimiento	$ 5.2 millones
Seguro médico	$ 3.4 millones
Beneficios de jubilación	$ 1.6 millones

Costos de cumplimiento regulatorio

Los gastos de cumplimiento regulatorio para ISTR fueron de $ 4.6 millones en 2023.

• Servicios de asesoramiento legal: $ 1.9 millones
• Auditoría e informes: $ 1.5 millones
• Capacitación de cumplimiento: $ 700,000
• Tarifas de presentación regulatoria: $ 500,000

Gastos de marketing y adquisición de clientes

Los costos de marketing y adquisición de clientes totalizaron $ 7.2 millones en 2023.

Canal de marketing	Gasto anual
Marketing digital	$ 3.1 millones
Publicidad tradicional	$ 2.4 millones
Patrocinios de eventos de clientes	$900,000
Investigación de marketing	$800,000

Investigar Holding Corporation (ISTR) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de las carteras de préstamos

Para el año fiscal 2023, Investigar Holding Corporation reportó ingresos por intereses totales de $ 75.4 millones. El desglose de la cartera de préstamos es el siguiente:

Categoría de préstamo	Saldo total del préstamo	Ingresos por intereses
Inmobiliario comercial	$ 862.3 millones	$ 38.6 millones
Hipotecas residenciales	$ 412.7 millones	$ 22.1 millones
Comercial & Préstamos industriales	$ 276.5 millones	$ 14.7 millones

Tarifas de los servicios bancarios

Las tarifas de servicio bancario para 2023 totalizaron $ 12.3 millones, con la siguiente distribución:

• Tarifas de mantenimiento de la cuenta: $ 4.2 millones
• Tasas de transferencia de cables: $ 2.7 millones
• Tarifas de transacción de cajeros automáticos: $ 3.1 millones
• Tarifas de sobregiro: $ 2.3 millones

Comisiones de origen de la hipoteca

Las comisiones de origen de la hipoteca en 2023 alcanzaron los $ 6.9 millones, con:

Tipo de hipoteca	Originaciones totales	Ingresos por comisión
Hipotecas residenciales	$ 214.6 millones	$ 4.7 millones
Hipotecas comerciales	$ 98.3 millones	$ 2.2 millones

Ingresos del producto de inversión

Los ingresos por productos de inversión para 2023 totalizaron $ 5.4 millones, que incluyen:

• Tarifas de gestión de patrimonio: $ 3.1 millones
• Comisiones de fondos mutuos: $ 1.5 millones
• Tarifas de servicio de asesoramiento: $ 0.8 millones

Tarifas de transacción bancaria digital

Las tarifas de transacción bancaria digital en 2023 ascendieron a $ 3.6 millones, compuestas de:

• Tarifas de pago de facturas en línea: $ 1.4 millones
• Tarifas de transacción bancaria móvil: $ 1.2 millones
• Procesamiento de pagos digitales: $ 1.0 millones

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.