Investar
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Investar (ISTR) investor relations material

Investar Q2 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2026 earnings summary20 Jul, 2026

Executive summary

  • Net interest margin rose to 3.67% in Q2 2026, up 8 basis points from Q1 2026, reflecting improved funding costs and balance sheet optimization.

  • Diluted EPS was $0.61 for Q2 2026, down from $0.77 in Q1 2026; core diluted EPS was $0.75, down from $0.87, with Q1 including a $2.1M credit loss reversal.

  • Net income available to common shareholders was $9.47M in Q2 2026, down from $11.5M in Q1 2026, but up from $4.5M in Q2 2025.

  • Operational conversion of Wichita Falls Bancshares completed in May 2026, supporting strategic growth.

  • Eight commercial bankers hired in H1 2026 to drive business lending growth in Texas and Louisiana.

Financial highlights

  • Net interest income rose to $33.4M, up 2.4% sequentially and 70.3% year-over-year.

  • Return on average assets was 0.98% (core: 1.21%) in Q2 2026, compared to 1.25% (core: 1.41%) in Q1 2026.

  • Book value per common share increased to $28.29; tangible book value per share rose to $23.09 at June 30, 2026.

  • Total loans were $3.06B at June 30, 2026; excluding WFB-acquired loans, loans grew 2.6% sequentially.

  • Business lending portfolio grew 3.8% sequentially and 21.9% year-over-year to $1.21B.

Outlook and guidance

  • Focus remains on organic and acquisition-driven growth, capital building, and disciplined share repurchases.

  • Strategy includes reducing wholesale funding and optimizing the loan portfolio toward higher-yielding commercial loans.

  • Continued digital transformation and branch/ATM footprint optimization.

WFB mortgage runoff and C&I loan remix strategy
Funding shifts driving NIM expansion in Q2
WFB conversion impact on noninterest expenses
Strategy for Wichita Falls mortgage loan runoff
Impact of brokered deposit reduction on NIM
Role of new commercial hires in loan growth
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