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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.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.
- Acquisition-driven growth, higher capital ratios, and robust shareholder returns marked Q4 2025.ISTR
Q4 202520 Jul 2026 - Q1 2026 saw strong earnings growth, margin expansion, and major loan and deposit increases.ISTR
Q1 20268 May 2026 - Shareholders will vote on directors, auditor, executive pay, and a revised incentive plan, all board-backed.ISTR
Proxy filing8 Apr 2026 - Director elections, auditor ratification, and executive pay are up for shareholder vote.ISTR
Proxy filing8 Apr 2026 - Merger expands assets to $4.1B, boosts capital, and registers shares for resale with no company proceeds.ISTR
Registration Filing16 Dec 2025 - 2025 Annual Meeting covers director elections, auditor ratification, and executive pay approval.ISTR
Proxy Filing2 Dec 2025 - Annual meeting to elect 11 directors, ratify auditor, and approve executive pay on May 21, 2025.ISTR
Proxy Filing2 Dec 2025 - Earnings, margins, and capital ratios improved; Wichita Falls acquisition and capital raise support growth.ISTR
Q3 20255 Nov 2025 - Q1 2025 net income rose to $6.3M, with higher margins, record book value, and strong capital ratios.ISTR
Q1 202520 Oct 2025
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