Investar Bank, N.A.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 15.6% higher than in Q1 2026, at $55.8M. Within Louisiana, Investar Bank, N.A. is 39th of 46 on CET1 ratio, 13.51% as of Q2 2026, below the middle of the field. At 13.51%, Investar Bank, N.A.'s CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.51% |
| Tier 1 risk-based capital ratio | 13.51% |
| Total risk-based capital ratio | 14.68% |
| Tier 1 leverage ratio | 10.75% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $414.4M |
| Tier 1 capital | $414.4M |
| Total risk-based capital | $450.4M |
| Total equity capital | $444.9M |
| Risk-weighted assets | $3.07B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.55% |
| Tangible equity to tangible assets | 9.87% |
| Equity capital to average assets | 11.33% |
| Internal capital growth rate | 6.85% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $3.9M |
| Common stock surplus | $423.0M |
| Retained earnings | $55.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$37.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.53% | 11.53% | 12.78% | 10.05% | $2.41B |
| Q4 2023 | 11.64% | 11.64% | 12.89% | 9.81% | $2.41B |
| Q1 2024 | 11.83% | 11.83% | 13.04% | 10.01% | $2.39B |
| Q2 2024 | 11.78% | 11.78% | 12.98% | 9.95% | $2.37B |
| Q3 2024 | 12.07% | 12.07% | 13.26% | 10.06% | $2.35B |
| Q4 2024 | 11.77% | 11.77% | 12.92% | 9.70% | $2.29B |
| Q1 2025 | 12.14% | 12.14% | 13.29% | 10.03% | $2.27B |
| Q2 2025 | 12.24% | 12.24% | 13.40% | 10.08% | $2.27B |
| Q3 2025 | 13.05% | 13.05% | 14.17% | 10.88% | $2.35B |
| Q4 2025 | 13.00% | 13.00% | 14.11% | 10.85% | $2.37B |
| Q1 2026 | 13.11% | 13.11% | 14.26% | 10.47% | $3.10B |
| Q2 2026 | 13.51% | 13.51% | 14.68% | 10.75% | $3.07B |
Investar Bank, N.A. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Investar Bank, N.A., freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Investar Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58316) · FFIEC NIC profile (RSSD 3449066)