Investar Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Brokered deposits to total deposits dropped 1.17 percentage points in Q2 2026, from 3.13% to 1.96%. It was the largest change from Q1 2026 among the key lines here. Within Louisiana, Investar Bank, N.A. is 16th of 103 on loan-to-deposit ratio, 95.16% as of Q2 2026, above the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Investar Bank, N.A. sits 6.96 points higher, at 95.16% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $71.3M |
| Cash and noninterest-bearing balances to assets | 1.85% |
| Cash and securities | $530.3M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $18.6M |
| Other borrowed money | $136.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.53% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.16% |
| Net loans and leases to deposits | 94.03% |
| Loans and leases to core deposits | 104.95% |
| Core deposits to total deposits | 88.71% |
| Brokered deposits to total deposits | 1.96% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 95.16% | 84.11% | $13.9M | $259.3M |
| Q4 2023 | 97.96% | 81.05% | $8.6M | $236.0M |
| Q1 2024 | 98.67% | 81.61% | $7.8M | $252.5M |
| Q2 2024 | 97.98% | 80.26% | $7.4M | $252.5M |
| Q3 2024 | 94.18% | 79.52% | $13.0M | $172.5M |
| Q4 2024 | 90.55% | 79.49% | $8.4M | $67.2M |
| Q1 2025 | 89.70% | 82.48% | $11.3M | $60.0M |
| Q2 2025 | 89.38% | 82.33% | $11.0M | $70.0M |
| Q3 2025 | 90.32% | 84.33% | $15.1M | $60.0M |
| Q4 2025 | 92.21% | 84.47% | $11.2M | $116.0M |
| Q1 2026 | 94.78% | 87.80% | $18.4M | $136.0M |
| Q2 2026 | 95.16% | 88.71% | $18.6M | $136.0M |
Investar Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Investar Bank, N.A., freeSource: Call Report Schedules RC and RC-M, 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)