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Investar Holding (ISTR) investor relations material
Investar Holding Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Jul, 2025
Executive summary
Announced definitive agreement to acquire Wichita Falls Bancshares for $83.6M, expanding Texas presence and adding $1.5B in assets; $32.5M in preferred stock issued to support the transaction.
Net income for the six months ended June 30, 2025 was $10.8M, up from $8.8M year-over-year; Q2 2025 net income was $4.5M, with diluted EPS of $0.46.
Book value per share reached $26.01 and tangible book value per share $21.80 at June 30, 2025.
Continued focus on balance sheet optimization, capital building, and disciplined share repurchases; 36,065 shares repurchased in Q2 2025 at $17.36 average price.
Maintained strong credit quality and expense control despite inflationary pressures; digital transformation and branch optimization ongoing.
Financial highlights
Net interest margin improved to 3.03% in Q2 2025 from 2.87% in Q1 2025; six-month margin at 2.95%, up from 2.61% year-over-year.
Net interest income for the six months ended June 30, 2025 was $38.0M, up 10.4% year-over-year; Q2 2025 net interest income was $19.6M.
Efficiency ratio improved to 74.99% (core: 73.55%) in Q2 2025 from 79.77% (core: 78.71%) in Q1 2025.
Total assets increased 0.9% to $2.75B at June 30, 2025; total loans declined 0.9% to $2.11B.
Noninterest income decreased 15.7% to $4.6M for the six months, while noninterest expense rose 7.0% to $32.9M.
Outlook and guidance
Focus remains on organic growth, capital management, and integrating the Wichita Falls acquisition.
Expectation for continued improvement in net interest margin as 69% of retail CDs reprice over the next two quarters.
Series A Preferred Stock issuance intended to qualify as additional Tier 1 capital and support future growth.
Explain the strategy for interest rate neutrality.
Why did nonperforming loans increase in Q2 2025?
Detail the expected impact of Wichita Falls.
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Next Investar Holding earnings date
Q3 202520 Oct, 2025
Next Investar Holding earnings date
Q3 202520 Oct, 2025
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Frequently asked questions
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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