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Investar Holding (ISTR) investor relations material
Investar Holding Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Oct, 2025
Executive summary
Announced definitive agreement to acquire Wichita Falls Bancshares, Inc. (WFB), a Texas-based bank with $1.4B in assets, with closing expected around January 1, 2026, pending regulatory and shareholder approvals.
Completed $32.5M private placement of Series A Preferred Stock to support the WFB acquisition and future growth initiatives.
Net income available to common shareholders was $5.7M ($0.54 per diluted share) for Q3 2025, up from $4.5M ($0.46) in Q2 2025 and $5.4M ($0.54) in Q3 2024.
Total assets grew 2.9% to $2.80B at September 30, 2025, driven by organic loan and deposit growth and increased investment securities.
Regulatory capital ratios remained strong, with the bank considered "well-capitalized" under FDIC regulations.
Financial highlights
Diluted EPS rose to $0.54 in Q3 2025 from $0.46 in Q2 2025; core diluted EPS also $0.54, up from $0.47.
Net interest margin improved to 3.16% in Q3 2025 from 3.03% in Q2 2025 and 2.67% in Q3 2024.
Net interest income for Q3 2025 was $21.2M, up 7.7% from Q2 2025 and 18.5% year-over-year.
Book value per common share reached $26.96, and tangible book value per share was $22.76 at September 30, 2025.
Return on average assets increased to 0.88% in Q3 2025 from 0.66% in Q2 2025.
Outlook and guidance
Anticipates closing the Wichita Falls acquisition on or about January 1, 2026, subject to remaining approvals.
Management continues to focus on balance sheet optimization, organic growth, and strategic acquisitions.
Expects 84% of retail CD portfolio to reprice over the next two quarters, and 91% over the next three quarters.
The Series A Preferred Stock issuance is intended to support the WFB acquisition and future growth initiatives.
What are the remaining hurdles for Wichita Falls deal?
How did Investar reduce funding costs in Q3?
How is Investar de-risking its loan portfolio?
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Next Investar Holding earnings date
Q4 202523 Jan, 2026
Next Investar Holding earnings date
Q4 202523 Jan, 2026
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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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