Investar Bank, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 6.68% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 6.68% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 13.51% +7.01 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $414.4M | 414,439 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.07B | 3,067,382 | RCOAA223 |
| Recomputed ratio | 13.51% | numerator / denominator | |
| Filed ratio | 13.51% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +7.01 pp | $215.1M | capital that could be lost first |
Tier 1 risk-based capital ratio 13.51% +5.51 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $414.4M | 414,439 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.07B | 3,067,382 | RCOAA223 |
| Recomputed ratio | 13.51% | numerator / denominator | |
| Filed ratio | 13.51% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +5.51 pp | $169.1M | capital that could be lost first |
Total risk-based capital ratio 14.68% +4.68 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $450.4M | 450,400 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $3.07B | 3,067,382 | RCOAA223 |
| Recomputed ratio | 14.68% | numerator / denominator | |
| Filed ratio | 14.68% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +4.68 pp | $143.7M | capital that could be lost first |
Tier 1 leverage ratio 10.75% +5.75 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $414.4M | 414,439 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $3.86B | 3,856,803 | RCOAA224 |
| Recomputed ratio | 10.75% | numerator / denominator | |
| Filed ratio | 10.75% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.75 pp | $221.6M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 426,913 | 426,913 | 311,395 | 311,395 | 288,245 | 288,245 | RCOAP742 |
| Retained earnings | 55,754 | 48,249 | 37,518 | 35,288 | 30,643 | 28,198 | RCOAKW00 |
| Accumulated other comprehensive income | (37,815) | (37,110) | (35,722) | (37,366) | (41,626) | (42,879) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 444,852 | 438,052 | 313,191 | 309,317 | 277,262 | 273,564 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | (30,413) | (31,466) | (4,663) | (3,134) | 1,007 | 2,134 | P859 - P840 |
| Common equity Tier 1 capital | 414,439 | 406,586 | 308,528 | 306,183 | 278,269 | 275,698 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 414,439 | 406,586 | 308,528 | 306,183 | 278,269 | 275,698 | RCOA8274 |
| Tier 2 capital | 35,961 | 35,795 | 26,395 | 26,425 | 26,351 | 26,196 | RCOA5311 |
| Allowance includable in Tier 2 capital | 35,961 | 35,795 | 26,395 | 26,425 | 26,351 | 26,196 | RCOA5310 |
| Total capital | 450,400 | 442,381 | 334,923 | 332,608 | 304,620 | 301,894 | RCOA3792 |
| Total risk-weighted assets | 3,067,382 | 3,101,224 | 2,373,711 | 2,346,836 | 2,273,520 | 2,271,326 | RCOAA223 |
| Average total assets for the leverage ratio | 3,856,803 | 3,885,016 | 2,844,604 | 2,814,399 | 2,760,092 | 2,749,132 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $71.3M | $11.2M | 15.71% | 0.37% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $507.0M | $106.5M | 21.00% | 3.47% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $18.6M | $0 | 0.00% | 0.00% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $907.4M | $494.9M | 54.54% | 16.13% | RC-R Part II, item 4.a, 5.a |
| Loans: high-volatility commercial real estate | $2.6M | $3.9M | 150.00% | 0.13% | RC-R Part II, item 4.b, 5.b |
| Loans: past due and nonaccrual | $12.3M | $18.5M | 150.00% | 0.60% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $2.14B | $2.07B | 96.74% | 67.41% | RC-R Part II, item 4.d, 5.d |
| All other assets | $229.5M | $202.8M | 88.34% | 6.61% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $170.0M | $159.9M | 94.05% | 5.21% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Derivatives (over the counter and centrally cleared) | $14.2M | $2.0M | 13.80% | 0.06% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | $700 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $3.07B | ties to item 31 ($3.07B) |
|---|---|---|
| Risk-weighted assets before deductions | $3.07B | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $3.07B | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 13.51% | 13.51% | 14.68% | 10.75% | 13.52% | 13.55% | 14.66% | 10.52% |
| 1Q26 | Risk-based | 13.11% | 13.11% | 14.26% | 10.47% | 13.45% | 13.46% | 14.59% | 10.46% |
| 4Q25 | Risk-based | 13.00% | 13.00% | 14.11% | 10.85% | 13.36% | 13.37% | 14.44% | 10.38% |
| 3Q25 | Risk-based | 13.05% | 13.05% | 14.17% | 10.88% | 13.38% | 13.39% | 14.51% | 10.37% |
| 2Q25 | Risk-based | 12.24% | 12.24% | 13.40% | 10.08% | 13.21% | 13.21% | 14.27% | 10.30% |
| 1Q25 | Risk-based | 12.14% | 12.14% | 13.29% | 10.03% | 13.15% | 13.17% | 14.26% | 10.24% |
| 4Q24 | Risk-based | 11.77% | 11.77% | 12.92% | 9.70% | 13.02% | 13.05% | 14.10% | 10.07% |
| 3Q24 | Risk-based | 12.07% | 12.07% | 13.26% | 10.06% | 12.97% | 13.02% | 14.13% | 10.12% |
| 2Q24 | Risk-based | 11.78% | 11.78% | 12.98% | 9.95% | 12.93% | 12.94% | 14.06% | 10.10% |
| 1Q24 | Risk-based | 11.83% | 11.83% | 13.04% | 10.01% | 12.90% | 12.91% | 14.02% | 10.06% |
| 4Q23 | Risk-based | 11.64% | 11.64% | 12.89% | 9.81% | 12.81% | 12.82% | 13.92% | 10.01% |
| 3Q23 | Risk-based | 11.53% | 11.53% | 12.78% | 10.05% | 12.78% | 12.79% | 13.93% | 10.03% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Investar Bank, N.A. (this bank) | Risk-based | 13.51% | 13.51% | 14.68% | 10.75% | |
| Bank of Marin | $3.86B | Risk-based | 13.69% | 13.69% | 14.61% | 9.16% |
| Gulf Coast Bank and Trust Company | $3.86B | Risk-based | 11.85% | 11.85% | 13.10% | 9.07% |
| Security Bank of Kansas City | $3.86B | CBLR | NA | NA | NA | 12.77% |
| Capital Bank, N.A. | $3.84B | Risk-based | 11.34% | 11.34% | 12.60% | 8.97% |
| Independence Bank of Kentucky | $3.83B | CBLR | NA | NA | NA | 9.35% |
| Carrollton Bank | $3.88B | Risk-based | 9.93% | 9.93% | 11.18% | 8.01% |
| First Guaranty Bank | $3.89B | Risk-based | 14.95% | 14.95% | 16.21% | 7.09% |
| Bravera Bank | $3.81B | Risk-based | 11.74% | 11.74% | 12.83% | 9.73% |
| Bank of Utah | $3.79B | Risk-based | 16.36% | 16.36% | 17.61% | 12.74% |
| Sumitomo Mitsui Trust Bank (U.S.A.) Limited | $3.92B | Risk-based | 45.25% | 45.25% | 45.25% | 12.72% |
| Peer 25th percentile | 11.64% | 11.64% | 12.77% | 9.00% | ||
| Peer median | 12.77% | 12.77% | 13.86% | 9.26% | ||
| Peer 75th percentile | 15.31% | 15.31% | 16.56% | 11.98% | ||
| This bank's percentile | 50 | 50 | 62 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/3449066/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.