BlastPoint's Banking Scorecard
Investar Bank, National Association
Baton Rouge, LA
38 branches across LA · TX · AL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 18 in LA.
- Deposits +36.5% year over year ($3.2B on the books).
- Delinquency rate 0.64%.
- Return on assets 1.32%.
- Efficiency ratio 61.60% vs a 59.73% peer average.
- Loan-to-deposit ratio 94.03% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Investar Bank, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Delinquency Rate 0.23% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency Ratio 1.87% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.9B
+40.4% YoY
-0.4% QoQ
|
+$1.1B |
$2.8B
-0.6% YoY
|
$799.3M
+7.8% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$3.0B
+45.4% YoY
-0.3% QoQ
|
+$1.1B |
$2.0B
-0.3% YoY
|
$538.5M
+5.3% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$3.2B
+36.5% YoY
-0.7% QoQ
|
+$896.7M |
$2.3B
-0.5% YoY
|
$677.9M
+7.3% YoY
|
$4.9B
+7.3% YoY
|
80% |
| Return on Assets ? |
1.32%
+53.2% YoY
-16.4% QoQ
|
-0.07% |
1.39%
+17.0% YoY
|
1.37%
+23.6% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
4.20%
+34.5% YoY
-3.7% QoQ
|
+0.33% |
3.87%
+6.2% YoY
|
4.15%
+0.0% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
61.60%
-16.8% YoY
+4.9% QoQ
|
+1.87% |
59.73%
-12.6% YoY
|
69.40%
-0.9% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.64%
+78.0% YoY
-4.7% QoQ
|
-0.23% |
0.87%
+11.7% YoY
|
1.53%
+7.9% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
94.03%
+6.5% YoY
+0.4% QoQ
|
+9.00% |
85.04%
-0.1% YoY
|
77.15%
-1.0% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
19.39%
-2.1% YoY
-2.5% QoQ
|
-1.88% |
21.27%
-1.5% YoY
|
24.65%
+0.5% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.63%
+31.0% YoY
+1.9% QoQ
|
-0.05% |
0.67%
+11.7% YoY
|
1.11%
+4.1% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
13.51%
+10.4% YoY
+3.1% QoQ
|
-1.33% |
14.84%
-0.4% YoY
|
17.35%
+5.4% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.15%
-6.2% YoY
+100.6% QoQ
|
-0.38% |
0.53%
+2.5% YoY
|
0.33%
+19.6% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.4%
-0.4pp YoY -0.5pp QoQ |
-2.0pp | 21.4% | 24.6% | 22.2% | 47% |
| Brokered Deposits |
2.0%
-8.9pp YoY -1.2pp QoQ |
-7.5pp | 9.5% | 6.7% | 8.5% | 26% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.4%
-2.2pp YoY +1.8pp QoQ |
+5.4pp | 14.0% | 12.6% | 12.5% | 79% |
| CRE |
47.2%
-9.2pp YoY -1.1pp QoQ |
-2.8pp | 50.0% | 44.9% | 41.4% | 42% |
| 1-4 Family |
30.0%
+11.4pp YoY -0.4pp QoQ |
+3.6pp | 26.4% | 34.2% | 31.3% | 66% |
| Consumer |
0.4%
-0.1pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 4.2% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.5%
+1.3pp YoY +0.4pp QoQ |
-2.1pp | 15.6% | 22.5% | 19.7% | 50% |
| Leverage Ratio |
10.7%
+0.7pp YoY +0.3pp QoQ |
-0.6pp | 11.3% | 13.4% | 12.6% | 55% |
| Total Capital Ratio |
14.7%
+1.3pp YoY +0.4pp QoQ |
-2.0pp | 16.7% | 23.6% | 20.8% | 51% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
437
+100 (+29.7%) YoY +6 (+1.4%) QoQ |
+123 | 313 | 114 | 482 | 80% |
| Assets per Employee ($) |
$8.8M
+8.2% YoY -1.7% QoQ |
-$1.7M | $10.5M | $6.8M | $8.8M | 52% |
| Branch Count |
38
+8 (+26.7%) YoY 0 QoQ |
+18 | 20 | 9 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 51% |
| Nonaccrual |
0.6%
+0.3pp YoY -0.1pp QoQ |
-0.2pp | 0.8% | 1.4% | 1.0% | 57% |
| Allowance Coverage |
1.87x
-47.4% YoY +6.0% QoQ |
-16.84x | 18.71x | 27.36x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.0%
+0.4pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+3.0pp YoY -2.4pp QoQ |
-0.9pp | 12.6% | 12.5% | 11.6% | 47% |
| Cost of Funds (YTD) |
2.4%
-0.1pp YoY -0.2pp QoQ |
+0.5pp | 1.9% | 1.7% | 1.7% | 83% |
| Net Income ($, YTD) |
$23.2M
+97.2% YoY — QoQ |
+$4.0M | $19.2M | $5.1M | $40.4M | 75% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.