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Investar (ISTR) investor relations material
Investar Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Net income available to common shareholders was $5.4 million ($0.51 per diluted share) for Q4 2025, down from $5.7 million in Q3 2025 and $6.1 million in Q4 2024.
Core diluted EPS was $0.58, up from $0.54 in Q3 2025 but down from $0.65 in Q4 2024; Q4 2024 included $3.1 million in nonrecurring BOLI income.
Net interest margin improved to 3.20%, up 4 bps sequentially and 55 bps year-over-year.
Completed the acquisition of Wichita Falls Bancshares, expanding into north Dallas and Wichita Falls markets.
Financial highlights
Net interest income rose to $21.6 million, up 2.3% from Q3 2025 and 23.7% from Q4 2024.
Noninterest income was $1.8 million, down 38.3% sequentially and 64.3% year-over-year, mainly due to lower BOLI income.
Noninterest expense was $16.3 million, down 1.5% from Q3 2025 and up 1.2% from Q4 2024.
Book value per share increased to $27.63, up 2.5% sequentially and 12.5% year-over-year.
Tangible book value per share rose to $23.42, up 2.9% sequentially and 15.3% year-over-year.
Outlook and guidance
Management remains focused on balance sheet optimization, organic growth, and shareholder value creation.
Continued emphasis on interest rate neutral balance sheet and cost control in a declining rate environment.
How will funding strategy evolve post-brokered deposit runoff?
Explain the negative Q4 provision despite NPL rise.
How will Wichita Falls acquisition impact NIM?
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Next Investar earnings date
Q1 202622 Apr, 2026
Investar
Next Investar earnings date
Q1 202622 Apr, 2026
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Investar Holding Corporation is a financial holding company that operates primarily through its subsidiary, Investar Bank, National Association. The company provides a range of commercial and retail banking products and services. These include deposit products like savings accounts, checking accounts, and certificates of deposit, as well as various loan products such as commercial real estate loans, residential real estate loans, and consumer loans. Investar Holding Corporation serves a diverse customer base, including individuals, small to medium-sized businesses, and professionals across various industries. The company focuses on personalized banking services and community engagement to meet the financial needs of its customers. The company is headquartered in Baton Rouge, Louisiana, and its shares are listed on the NASDAQ.
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