Investar Bank

What Investar Bank does

Investar Bank, N.A., is a full-service community bank founded in 2006 by John J. D'Angelo and headquartered in Baton Rouge, Louisiana. Operating as a subsidiary of publicly traded Investar Holding Corporation (NASDAQ: ISTR), the bank runs 36 branches across Louisiana, Texas, and Alabama with approximately 251–500 employees and total assets exceeding $3.9 billion as of March 31, 2026, following the January 1, 2026 acquisition of Wichita Falls Bancshares, Inc.

The bank serves three horizontal segments — individual consumers, small businesses, and commercial/corporate clients — with deposit products (checking, savings, CDs, IRAs, money market), lending products (personal, HELOC, auto/marine, small business and commercial real estate, equipment, unsecured), treasury management (ACH origination, wire transfer, Remote Deposit Capture, Positive Pay, Virtual Vault, Zero-Balance Accounts), and specialty offerings including the Investar Commercial Card and litigation financing for law firms. Technology stack comprises a digital banking platform (online and mobile banking apps for iOS/Android) with integrations to Zelle, Apple Pay, Google Pay, Samsung Pay, NACHA, Visa, Allpoint ATM network, Quicken, and QuickBooks, plus a patent-pending Star Remote Deposit hybrid web-based ARC Check 21 solution for commercial check processing.

Investar generates revenue primarily through net interest income on commercial, residential, and consumer loans and investment securities (Q1 2026 net interest margin of 3.59%, up 39 bps sequentially), supplemented by non-interest income from deposit service charges, treasury management fees, card interchange, ATM fees, and wire transfer fees. Distribution is hybrid: 36 physical branches plus relationship-based local bankers supported by digital channels. Post-Wichita Falls, the bank reported Q1 2026 net income available to common shareholders of approximately $11.5 million ($0.77 per diluted share, +51% sequentially and +22% YoY) and has paid 51 consecutive quarterly cash dividends, most recently raising the dividend 9% to $0.12 per share.

Name

Investar Bank

Legal name

Investar Bank, National Association

Website

https://investarbank.com

Company type

Public

Founded year

2006

Operating status

Operating

Headcount range

251–500 employees

Short description

Investar Bank is a Louisiana-based community bank operating 36 branches across Louisiana, Texas, and Alabama, offering deposit accounts, consumer and commercial loans, treasury management, and digital banking services to individuals, small businesses, and commercial clients.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Community banking
• Commercial lending
• Treasury management
• Deposit accounts

Headquarters

HQ city

Baton Rouge

HQ country

United States

HQ region

North America

Offices38 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Primary revenue stream from interest earned on loans (commercial, residential, consumer) and investment securities, minus interest paid on deposits. The bank focuses on growing loan yields while managing funding costs.
2. Non-Interest Income: Fee income from deposit account service charges, treasury management fees, ATM fees, debit/credit card interchange, wire transfer fees, and other banking service charges.
3. Commercial Banking Services: Revenue from commercial lending, treasury management services, commercial cards, and other business banking products including litigation financing for law firms.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Investar Bank is a full-service community bank that accepts deposits and extends credit through three product lines: Personal Banking (checking, savings, CDs, IRAs, HELOCs, auto and personal loans), Small Business Banking (business checking, savings, treasury management, small business loans and credit cards), and Commercial Banking (commercial checking, treasury management, commercial real estate and equipment loans, commercial cards, and litigation financing). Distribution is via 36 branches across Louisiana, Texas, and Alabama plus a digital banking platform accessible 24/7 through web and mobile.

Product overview

Investar Bank operates as a traditional community bank offering a unified platform of banking services across three distinct segments: Personal Banking (checking, savings, CDs, IRAs, personal loans, and digital banking), Small Business Banking (business checking, savings, treasury management, and small business loans), and Commercial Banking (commercial checking, treasury management, commercial loans, and specialty products). Digital banking services including online banking, mobile banking, and mobile wallet integrations with Apple Pay, Google Pay, and Samsung Pay provide customer access across all segments. The bank differentiates through extensive ATM network access via Allpoint and peer-to-peer payment integration through Zelle.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Personal checking accounts offered to individual consumers in Louisiana, Texas, and Alabama, including basic checking, interest-bearing Star Checking, and Star Legacy Checking for customers 50 and older. Features include online/mobile banking, debit card access, and balance- or activity-based fee waivers.
• Personal Savings and Money Market Personal savings and money market accounts for individual customers, including Star Savings with interest earned on any balance of $0.01 or more and a $200 minimum opening balance.
• Personal CDs and IRAs Certificates of Deposit and Individual Retirement Accounts offered to individual consumers, with multiple term options, monthly interest payments, early withdrawal penalties, and minimum opening balance of $500.
• Personal Loans Consumer lending products for individuals including Home Equity Lines of Credit (HELOC), auto/marine/titled collateral loans, acreage and lot loans, and unsecured personal loans, subject to credit qualifications.
• Personal Online Banking Web-based online banking platform providing personal customers 24/7 access to account management, bill pay, fund transfers, eStatements, and check ordering.
• Mobile Banking App Mobile banking application for iOS and Android providing account access, mobile check deposit, bill pay, Zelle transfers, card management, and other banking services on smartphones and tablets.
• Mobile Wallet Digital wallet service that allows customers to add Investar Visa debit and credit cards to Apple Pay, Google Pay, and Samsung Pay for contactless in-store, in-app, and online checkout.
• Small Business Checking Business checking accounts designed for small businesses with features such as unlimited transactions and merchant services support.
• Small Business Savings, CDs and Money Market Business savings products for small businesses including money market accounts and certificates of deposit to support business deposits and cash management.
• Small Business Treasury Management Cash management and treasury services for small businesses including ACH origination, wire transfers, and cash concentration.
• Small Business Loans Commercial lending products for small businesses including real estate loans, CD/savings-secured loans, equipment and vehicle financing, acreage and lot loans, small business credit cards, and unsecured loans.
• Business Online Banking Web-based online banking platform for small business account management, with enhanced features for cash management and reporting.
• Commercial Checking Commercial checking accounts with account analysis services and higher transaction limits designed for larger commercial clients.
• Commercial Treasury Management Comprehensive treasury management services for commercial clients including ACH origination, account analysis, Remote Deposit Capture, Positive Pay, wire origination, EDI reporting, Virtual Vault, Zero-Balance Accounts, and other cash management tools.
• Commercial Loans Commercial lending products including commercial real estate loans, CD/savings-secured loans, equipment and vehicle financing, acreage and lot loans, and unsecured commercial loans.
• Investar Bank Commercial Card Commercial credit card for business expense management with customizable controls, spending limits, chip enablement, and contactless capabilities.
• Litigation Financing Specialty financing for law firms and commercial clients to fund legal proceedings and litigation-related expenses.
• Star Remote Deposit Patent-pending hybrid web-based ARC Check 21 solution that allows commercial clients to process and electronically deposit all types of paper items.
• Allpoint ATM Network Access Surcharge-free ATM access for customers through the Allpoint network of more than 55,000 ATMs nationwide at Target, CVS, Circle K, Speedway, and other retail locations.
• Zelle Person-to-Person Payments Person-to-person payment service integrated into the mobile banking app that allows customers to send and receive money using U.S. mobile numbers or email addresses, typically within minutes.
• Video Banking Remote video banking service and ITMs at select branches enabling customers to meet with bankers virtually for account services, consultations, and transactions.

Quantifiable outcome

• Net interest margin improved to 3.59% in Q1 2026, a 39 basis-point increase from previous quarter
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• AllpointcoreTechnology or Integration · 6 May 2024Partnership with Allpoint network providing Investar customers surcharge-free access to over 55,000 ATMs nationwide at Target, CVS, Circle K, Speedway, and other popular retail stores. Customer confirmation of surcharge at Allpoint ATMs will not result in any fees.
• ZellecoreTechnology or IntegrationIntegration with Zelle for fast, safe, and easy person-to-person money transfers using only U.S. mobile numbers or email addresses. Available through Investar Bank mobile app for sending and receiving money typically within minutes.
• Apple PaycoreTechnology or IntegrationDigital wallet integration allowing customers to add Investar Visa debit and credit cards to Apple Wallet for secure in-store, in-app, and online checkout on iPhone, iPad, Apple Watch, and Mac devices.
• Google PaycoreTechnology or IntegrationDigital wallet integration allowing customers to add Investar cards to Google Pay for fast, simple checkout at millions of places on websites, in apps, and in stores with multiple layers of security.
• Samsung PaycoreTechnology or IntegrationDigital wallet integration allowing customers to connect Investar cards to Samsung Pay for secure checkout at locations where cards can be swiped or tapped, also supporting select in-app and online merchants.
• Banc CardminorChannel Partner/ Reseller/ DistributorMerchant services provider enabling small, mid, and large-size business owners to accept credit card payments, streamline business operations, and increase cash flow through electronic invoicing.
• LoomisminorChannel Partner/ Reseller/ DistributorArmored car service provider for Virtual Vault cash deposit solution. Loomis provides SafePoint Vault installation and cash pickup services for businesses with high volume cash deposits.

Scale indicators11 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Simmons First National: Arkansas-headquartered regional bank (NASDAQ: SFNC) with multi-state Southeast footprint. Larger incumbent operating an analogous community-bank acquisition strategy across the same regional landscape.
• Cadence Bank: Multi-state regional bank (NYSE: CADE) with significant presence across Texas, Louisiana, Mississippi, Alabama, and the Southeast. Broader incumbent competing for similar commercial and treasury management clients as Investar.
• Hancock Whitney: Gulf Coast regional bank (NASDAQ: HWC) headquartered in Mississippi with operations across Louisiana, Texas, Alabama, and Florida. Larger incumbent offering a similar full-service community/regional model.
• Trustmark: Mississippi-based regional bank (NASDAQ: TRMK) operating across the Gulf South with a broader geographic and product footprint. Comparable as a larger incumbent community/regional bank competing for the same SMB and consumer customers in adjacent states.

Direct peers

• Home Bancorp: Lafayette, LA-based community bank holding company (NASDAQ: HBCP) operating branches across Louisiana with consumer and commercial banking focus. Direct peer in the same geographic footprint with overlapping customer base.
• b1Bancorp/share Bancshares: Texas community bank (NASDAQ: BSRR) operating branches primarily in East and Southeast Texas with similar commercial and consumer lending focus. Highly comparable as a Texas-headquartered community bank of similar scale.
• Renasant: Southeast-focused community bank (NYSE: RNST) operating in Mississippi, Alabama, Tennessee, Georgia, and Florida. Comparable in scale, M&A-driven growth history, and community bank positioning.
• Independent Bank Group: Texas-based community bank (NASDAQ: IBTX) operating across Texas and Colorado. Comparable as a serial-acquirer community bank in Texas that has expanded through M&A, mirroring Investar's post-Wichita Falls growth posture.
• Southside Bancshares: Texas-based community bank holding company (NASDAQ: SBSI) serving consumers and small businesses across East Texas. Comparable in asset mix, branch-led model, and Southeast Texas presence overlapping with Investar's new Texas footprint.
• Origin Bancorp: Louisiana-headquartered community bank (NASDAQ: OBNK) of similar asset size serving commercial, small business, and consumer customers across the Southeast. Closest direct peer given shared Louisiana roots, comparable product set, and M&A-driven growth strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/realinvestar
• YouTubeyoutube.com/@investarbankna
• Facebookfacebook.com/investarbank
• LinkedInlinkedin.com/company/investar-bank
• Instagraminstagram.com/investarbank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Subsidiaries1 record

Funding overview

Funding rounds4 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A5 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Investar Bank