Investar Holding Corporation (ISTR): Modelo de negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico da Investar Holding Corporation (ISTR), uma potência bancária regional dinâmica que transforma os serviços financeiros tradicionais por meio de abordagens inovadoras. Ao elaborar meticulosamente um modelo de negócios que combina relacionamentos personalizados de clientes, infraestrutura digital de ponta e experiência no mercado profundo da Louisiana, a ISTR se posicionou como uma instituição financeira ágil que atende às complexas necessidades bancárias de pequenas empresas, empresas locais e clientes individuais. Sua proposta de valor única está na criação de soluções financeiras personalizadas que vão além do setor bancário transacional, oferecendo um ecossistema abrangente de serviços projetados para capacitar o crescimento econômico regional e fornecer experiências incomparáveis ​​de clientes.

Investar Holding Corporation (ISTR) - Modelo de negócios: Parcerias -chave

Bancos locais e regionais para parcerias de empréstimos

A partir do quarto trimestre 2023, a Investar Holding Corporation mantém parcerias estratégicas de empréstimos com os seguintes bancos regionais:

Nome do banco	Detalhes da parceria	Volume de empréstimo (2023)
Banco da Costa do Golfo	Colaboração de empréstimos comerciais	US $ 87,3 milhões
Primeiro Banco Horizon	Rede de empréstimos para pequenas empresas	US $ 62,5 milhões
Whitney Bank	Parceria de financiamento imobiliário	US $ 104,2 milhões

Provedores de software de tecnologia financeira (FinTech)

As parcerias fintech da Investtar incluem:

• Jack Henry & Associados - Plataforma Bancária Core
• FISERV - Soluções bancárias digitais
• Temenos - Integração de software bancário

Promotores imobiliários comerciais

Principais métricas de parceria imobiliária comercial:

Desenvolvedor	Tipo de projeto	Investimento total (2023)
Último & Blum	Propriedades comerciais da Louisiana	US $ 45,6 milhões
Interesses de Woodward	Desenvolvimento de uso misto	US $ 38,2 milhões

Empresas de seguro e gerenciamento de riscos

Detalhes da parceria de gerenciamento de riscos:

• Seguro de viajantes - cobertura de risco comercial
• AIG - Gerenciamento de riscos corporativos
• Chubb Limited - seguro financeiro especializado

Redes de gestão de patrimônio e investimento

Estatísticas de Parceria Consultiva de Investimentos:

Empresa de consultoria	Ativos sob gestão	Escopo da parceria
Raymond James	US $ 82,4 milhões	Serviços abrangentes de investimento
LPL Financial	US $ 67,9 milhões	Colaboração de gerenciamento de patrimônio

Investar Holding Corporation (ISTR) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de consumo

A partir do quarto trimestre de 2023, a Investar Holding Corporation registrou ativos totais de US $ 2,38 bilhões. O banco opera 35 agências de serviço completo na Louisiana e no Texas.

Categoria de serviço bancário	Volume total (2023)
Portfólio de empréstimos comerciais	US $ 1,42 bilhão
Portfólio de empréstimos ao consumidor	US $ 687 milhões
Receita total de juros líquidos	US $ 87,4 milhões

Empréstimos e originação hipotecária

As atividades de empréstimos hipotecários geraram US $ 42,3 milhões em receita para 2023.

• Origenas totais de hipoteca: US $ 276 milhões
• Empréstimos de hipoteca residencial: US $ 224 milhões
• Empréstimos hipotecários comerciais: US $ 52 milhões

Gerenciamento de produtos de depósito e investimento

Total de depósitos em 31 de dezembro de 2023: US $ 2,06 bilhões

Produto de depósito	Balanço total
Depósitos de rolamento não interessantes	US $ 312 milhões
Verificação por juros	US $ 587 milhões
Contas de poupança	US $ 456 milhões
Depósitos de tempo	US $ 715 milhões

Desenvolvimento da plataforma bancária digital

Investimento em tecnologia bancária digital para 2023: US $ 4,2 milhões

• Usuários bancários online: 78.500
• Downloads de aplicativos bancários móveis: 42.300
• Volume de transação digital: US $ 1,3 bilhão

Gerenciamento de riscos e monitoramento de conformidade

Despesas de conformidade e gerenciamento de riscos para 2023: US $ 6,7 milhões

Métrica de gerenciamento de riscos	2023 desempenho
Razão de empréstimos não-desempenho	1.42%
Reserva de perda de empréstimo	US $ 37,6 milhões
Índice de capital regulatório	12.3%

Investar Holding Corporation (ISTR) - Modelo de negócios: Recursos -chave

Equipe de liderança bancária experiente

A partir do quarto trimestre 2023, a equipe de liderança da Investar Holding Corporation inclui:

Posição	Nome	Anos de experiência bancária
Presidente & CEO	John Salter	Mais de 25 anos
Diretor financeiro	Michael Bordelon	Mais de 20 anos

Infraestrutura bancária digital avançada

Métricas bancárias digitais:

• Usuários bancários móveis: 45.678 em dezembro de 2023
• Penetração bancária online: 68% da base total de clientes
• Volume de transação digital: 2,3 milhões de transações mensais

Forte Rede Bancária Regional na Louisiana

Composição de rede:

Locais da filial	Número
Ramos físicos totais	35
Paróquias servidas	12

Sistemas de tecnologia financeira proprietários

Investimento em tecnologia:

• Gastos anuais de infraestrutura de TI: US $ 4,2 milhões em 2023
• Orçamento de segurança cibernética: US $ 1,5 milhão
• Alocação de inovação tecnológica: 6,3% do orçamento operacional total

Capital substancial e reservas financeiras

Métricas de recursos financeiros:

Métrica financeira	Quantia
Total de ativos	US $ 2,1 bilhões
Índice de capital de camada 1	12.4%
Ativos líquidos	US $ 287 milhões

Investar Holding Corporation (ISTR) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas locais

A partir do quarto trimestre de 2023, a Investar Holding Corporation prestou serviços bancários a 4.327 clientes comerciais locais na Louisiana e no Texas. A carteira total de empréstimos comerciais do banco atingiu US $ 1,03 bilhão, com um tamanho médio de empréstimo de US $ 237.500 para pequenas e médias empresas.

Segmento de negócios	Total de clientes	Valor da carteira de empréstimos
Pequenas empresas	3,142	US $ 642,5 milhões
Médias empresas	1,185	US $ 387,6 ​​milhões

Taxas de juros competitivas em empréstimos e depósitos

Para 2024, a Investtar oferece as seguintes taxas competitivas:

• Empréstimos comerciais comerciais: 6,25% - 8,75%
• Linha de crédito de negócios: 7,15% - 9,50%
• Contas de poupança de negócios: 3,10% - 4,25%
• Certificado de taxas de depósito: 4,40% - 5,60%

Experiência bancária digital abrangente

Métricas bancárias digitais para investir em dezembro de 2023:

Serviço digital	Adoção do usuário	Transações por mês
Mobile Banking	68.542 usuários ativos	412,365
Bancos online	52.317 usuários ativos	287,214

Abordagem de atendimento ao cliente orientada por relacionamento

Métricas de desempenho de atendimento ao cliente para 2023:

• Taxa média de retenção de clientes: 87,3%
• Pontuação de satisfação do cliente: 4,6/5
• Tempo médio de resposta: 2,4 horas
• Gerentes de relacionamento dedicados: 127

Produtos financeiros personalizados para necessidades de mercado regional

Atração do portfólio de produtos para os mercados da Louisiana e do Texas em 2024:

Categoria de produto	Total de produtos	Penetração de mercado
Empréstimos comerciais	17 produtos especializados	42.6%
Banking de negócios	12 produtos especializados	38.9%
Empréstimos agrícolas	8 produtos especializados	22.5%

Investar Holding Corporation (ISTR) - Modelo de negócios: Relacionamentos ao cliente

Gerenciamento de relacionamento pessoal

A partir do quarto trimestre 2023, a Investar Holding Corporation mantém 15 locais bancários de serviço completo na Louisiana e no Texas. O banco emprega 232 gerentes de relacionamento total dedicados às interações personalizadas dos clientes.

Plataformas bancárias online e móveis

Métrica bancária digital	2023 Estatísticas
Usuários bancários móveis	42,657
Transações bancárias online	1.236.845 por trimestre
Taxa de download de aplicativos móveis	7.213 novos downloads em 2023

Canais de suporte ao cliente

• Suporte telefônico: disponível das 8h às 18h CST
• Suporte por e -mail: resposta 24/7 dentro de 24 horas
• Chat ao vivo: disponível no site durante o horário comercial
• Suporte no ramo em 15 locais

Gerentes de relacionamento dedicados para clientes de negócios

Investtar fornece 38 gerentes especializados de relacionamento comercial Servindo segmentos comerciais e de pequenas empresas. O tamanho médio do portfólio por gerente é 87 clientes comerciais.

Abordagem bancária focada na comunidade

Métrica de engajamento da comunidade	2023 dados
Investimentos da comunidade local	US $ 2,3 milhões
Doações de caridade locais	$487,000
Eventos comunitários patrocinados	42 eventos

Investar Holding Corporation (ISTR) - Modelo de Negócios: Canais

Rede de filiais físicas na Louisiana

A partir de 2024, a Investar Holding Corporation opera 28 galhos de serviço completo em toda a Louisiana, concentrada principalmente em:

• Área metropolitana de Baton Rouge
• Grande Região de Nova Orleans
• Região Acadiana

Região	Número de ramificações	Porcentagem da rede total
Baton Rouge	12	42.9%
Nova Orleans	8	28.6%
Acadiana	6	21.4%
Outras regiões da Louisiana	2	7.1%

Site bancário online

A plataforma bancária on -line da Investtar serve Aproximadamente 65.000 usuários digitais ativos A partir do quarto trimestre 2023, com os seguintes recursos:

• Gerenciamento de contas
• Transferências de fundos
• Serviços de pagamento da conta
• Depósito de cheque móvel

Aplicativo bancário móvel

O aplicativo bancário móvel tem 42.000 usuários ativos mensais Com os seguintes recursos:

• Monitoramento de contas em tempo real
• Integração da carteira digital
• Retiradas de caixas eletrônicos sem cartão
• Autenticação biométrica

Serviços bancários telefônicos

Investtar fornece o banco de telefone 24/7 através de um Centro de Atendimento ao Cliente dedicado manuseio aproximadamente 15.000 interações com clientes mensalmente.

Plataformas de serviço financeiro de terceiros

Plataforma	Status de integração	Base de usuários
Zelle	Totalmente integrado	28.000 usuários
Apple Pay	Totalmente suportado	22.000 usuários
Google Pay	Totalmente suportado	19.000 usuários

Investar Holding Corporation (ISTR) - Modelo de negócios: segmentos de clientes

Pequenas e médias empresas

A partir do quarto trimestre de 2023, a Investar Holding Corporation atendeu a aproximadamente 3.247 clientes comerciais pequenos e médios na Louisiana e no Texas.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Negócios de varejo	1,124	$387,000
Serviços profissionais	892	$456,700
Fabricantes locais	687	$521,300

Empresas comerciais locais

Portfólio total de empréstimos comerciais: US $ 412,6 milhões em 31 de dezembro de 2023.

• Empréstimos imobiliários comerciais: US $ 276,4 milhões
• Empréstimos comerciais e industriais: US $ 136,2 milhões

Clientes bancários de varejo individuais

Base total de clientes de varejo: 47.583 a partir do quarto trimestre 2023.

Tipo de cliente	Número de clientes	Saldo médio de depósito
Verificação pessoal	29,412	$18,700
Economia pessoal	18,171	$42,300

Provedores de serviços profissionais

Total de Serviços Profissionais Clientes: 1.236 em dezembro de 2023.

• Profissionais de Saúde: 437
• Profissionais jurídicos: 312
• Empresas de contabilidade: 264
• Outros serviços profissionais: 223

Investidores imobiliários regionais

Portfólio de clientes de investimentos imobiliários: US $ 187,3 milhões em valor total de empréstimo.

Categoria de investimento	Número de investidores	Valor total do empréstimo
Investidores residenciais	214	US $ 87,6 milhões
Investidores de propriedades comerciais	96	US $ 99,7 milhões

Investar Holding Corporation (ISTR) - Modelo de negócios: estrutura de custos

Despesas operacionais de ramificação

A partir de 2023 Relatórios Financeiros, as despesas operacionais da filial da Investar Holding Corporation totalizavam US $ 14,3 milhões anualmente.

Categoria de despesa	Custo anual
Aluguel e instalações	US $ 5,2 milhões
Utilitários	US $ 1,8 milhão
Manutenção	US $ 2,3 milhões
Custos de fornecimento de ramificação	US $ 5 milhões

Manutenção de infraestrutura de tecnologia

Os custos de manutenção de infraestrutura tecnológica para o ISTR foram de US $ 6,7 milhões em 2023.

• Substituição de hardware de TI: US $ 2,4 milhões
• Licenciamento de software: US $ 1,9 milhão
• Sistemas de segurança cibernética: US $ 1,5 milhão
• Infraestrutura de rede: US $ 900.000

Compensação e benefícios dos funcionários

A compensação total dos funcionários pela Investtar Holding Corporation em 2023 foi de US $ 38,5 milhões.

Componente de compensação	Custo anual
Salários da base	US $ 28,3 milhões
Bônus de desempenho	US $ 5,2 milhões
Seguro de saúde	US $ 3,4 milhões
Benefícios de aposentadoria	US $ 1,6 milhão

Custos de conformidade regulatória

As despesas de conformidade regulatória para ISTR foram de US $ 4,6 milhões em 2023.

• Serviços de Consultoria Jurídica: US $ 1,9 milhão
• Auditoria e relatórios: US $ 1,5 milhão
• Treinamento de conformidade: US $ 700.000
• Taxas de arquivamento regulatório: US $ 500.000

Despesas de marketing e aquisição de clientes

Os custos de marketing e aquisição de clientes totalizaram US $ 7,2 milhões em 2023.

Canal de marketing	Gastos anuais
Marketing digital	US $ 3,1 milhões
Publicidade tradicional	US $ 2,4 milhões
Patrocínio de eventos do cliente	$900,000
Pesquisa de marketing	$800,000

Investar Holding Corporation (ISTR) - Modelo de negócios: fluxos de receita

Receita de juros de carteiras de empréstimos

Para o ano fiscal de 2023, a Investar Holding Corporation registrou receita total de juros de US $ 75,4 milhões. A quebra da carteira de empréstimos é a seguinte:

Categoria de empréstimo	Saldo total de empréstimo	Receita de juros
Imóveis comerciais	US $ 862,3 milhões	US $ 38,6 milhões
Hipotecas residenciais	US $ 412,7 milhões	US $ 22,1 milhões
Comercial & Empréstimos industriais	US $ 276,5 milhões	US $ 14,7 milhões

Taxas de serviços bancários

As taxas de serviço bancário para 2023 totalizaram US $ 12,3 milhões, com a seguinte distribuição:

• Taxas de manutenção de conta: US $ 4,2 milhões
• Taxas de transferência de fio: US $ 2,7 milhões
• Taxas de transação ATM: US $ 3,1 milhões
• Taxas de cheque especial: US $ 2,3 milhões

Comissões de originação hipotecária

As comissões de originação hipotecária em 2023 atingiram US $ 6,9 milhões, com:

Tipo de hipoteca	Origenas totais	Receita da Comissão
Hipotecas residenciais	US $ 214,6 milhões	US $ 4,7 milhões
Hipotecas comerciais	US $ 98,3 milhões	US $ 2,2 milhões

Receita de produtos de investimento

As receitas de produtos de investimento em 2023 totalizaram US $ 5,4 milhões, incluindo:

• Taxas de gerenciamento de patrimônio: US $ 3,1 milhões
• Comissões de fundos mútuos: US $ 1,5 milhão
• Taxas de serviço de consultoria: US $ 0,8 milhão

Taxas de transação bancária digital

As taxas de transação bancária digital em 2023 totalizaram US $ 3,6 milhões, compostas por:

• Taxas de pagamento de conta on -line: US $ 1,4 milhão
• Taxas de transação bancária móvel: US $ 1,2 milhão
• Processamento de pagamento digital: US $ 1,0 milhão

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.