Investar Bank, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 13.96 percentage points lower than in Q1 2026, at 58.09%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $3.06B |
| Net loans and leases | $3.02B |
| Loans held for sale | $0 |
| Loans to total assets | 79.44% |
| Loan-to-deposit ratio | 95.16% |
| Net loans to equity capital | 6.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 33.36% |
| Multifamily (5+ residential) | 4.71% |
| Commercial and industrial | 19.15% |
| Consumer | 0.41% |
| Credit cards | 0.01% |
| Farm | 0.32% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.66% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.50% |
| Construction concentration (Tier 1 capital + allowance) | 58.09% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $47.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.10B | $2.21B | 44.79% | 14.70% | 0.57% |
| Q4 2023 | $2.21B | $2.26B | 42.42% | 19.85% | 0.53% |
| Q1 2024 | $2.18B | $2.21B | 43.53% | 19.12% | 0.53% |
| Q2 2024 | $2.17B | $2.21B | 43.54% | 19.37% | 0.51% |
| Q3 2024 | $2.16B | $2.29B | 44.84% | 19.42% | 0.52% |
| Q4 2024 | $2.13B | $2.35B | 44.45% | 20.42% | 0.50% |
| Q1 2025 | $2.11B | $2.35B | 44.23% | 19.90% | 0.47% |
| Q2 2025 | $2.11B | $2.36B | 44.07% | 21.31% | 0.48% |
| Q3 2025 | $2.15B | $2.38B | 42.90% | 21.68% | 0.46% |
| Q4 2025 | $2.18B | $2.36B | 41.92% | 22.93% | 0.43% |
| Q1 2026 | $3.07B | $3.24B | 32.94% | 17.42% | 0.42% |
| Q2 2026 | $3.06B | $3.22B | 33.36% | 19.15% | 0.41% |
Investar Bank, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Investar Bank, N.A., freeSource: Call Report Schedule RC-C, 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)