Investar Bank, N.A.: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Cost of interest-bearing deposits, which fell 0.63 percentage points to 2.70%. Within Louisiana, Investar Bank, N.A. is 76th of 103 on net interest margin, 3.74% as of Q2 2026, below the middle of the field. At 3.74%, Investar Bank, N.A.'s net interest margin is close to the 3.71% median for banks in the $1B-10B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.82% |
| Yield on loans | 6.22% |
| Yield on securities | 3.64% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.24% |
| Cost of interest-bearing deposits | 2.70% |
| Cost of interest-bearing liabilities | 2.78% |
| Cost of borrowings | 3.41% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.74% |
| Yield to cost spread | 3.04% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $47.5M |
| Total interest expense | $19.1M |
| Interest expense on deposits | $17.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.13% | 2.43% | 2.84% | 5.60% | 2.84% |
| Q4 2023 | 5.47% | 2.75% | 2.90% | 6.01% | 2.87% |
| Q1 2024 | 5.38% | 2.82% | 2.73% | 5.88% | 2.84% |
| Q2 2024 | 5.44% | 2.88% | 2.74% | 5.95% | 2.84% |
| Q3 2024 | 5.57% | 2.94% | 2.81% | 6.09% | 2.88% |
| Q4 2024 | 5.45% | 2.83% | 2.80% | 5.93% | 3.13% |
| Q1 2025 | 5.36% | 2.57% | 2.94% | 5.82% | 3.18% |
| Q2 2025 | 5.47% | 2.50% | 3.12% | 5.94% | 3.33% |
| Q3 2025 | 5.62% | 2.51% | 3.28% | 6.10% | 3.44% |
| Q4 2025 | 5.58% | 2.42% | 3.33% | 6.07% | 3.49% |
| Q1 2026 | 5.76% | 2.38% | 3.62% | 6.14% | 3.53% |
| Q2 2026 | 5.82% | 2.24% | 3.74% | 6.22% | 3.64% |
Investar Bank, N.A. yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Investar Bank, N.A., freeSource: Call Report Schedules RI and RC-K, 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)