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Earnings analysis · 10-Q

ISTR earnings analysis

Filed May 8, 2026 · Our reading of the company's report

The latest report

Investar Holding Corporation's Q1 2026 earnings report shows significant growth in earnings and asset size post-acquisition of WFB. Revenue declined slightly to $35.6 million, with net income up to $11.5 million and…

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Investar Holding Corporation's Q1 2026 earnings report shows significant growth in earnings and asset size post-acquisition of WFB. Revenue declined slightly to $35.6 million, with net income up to $11.5 million and diluted EPS increasing to $0.77, up from $0.63 year-over-year. The company also reported strong loan and deposit growth, but also faced elevated nonperforming loans.

Read the original on SEC.gov

Reported figures

Earnings per share
$0.87

What stood out

  • Increase in Net Income and EPS

    Net income rose to $11.5 million, or $0.77 per diluted share, from $6.3 million or $0.63 per share a year ago.

  • Strong Growth in Interest Income

    Net interest income increased 78.0% to $32.7 million from $18.3 million year-over-year, driven by growth in loans.

  • Acquisition Impact on Assets

    Total assets surged to $3.88 billion, a 36.8% increase, influenced by the acquisition of WFB.

  • Substantial Growth in Deposits

    Total deposits increased by $882.6 million, or 37.6%, to $3.23 billion, largely from the WFB acquisition.

  • Yield Improvement on Loans

    Yield on loans improved to 6.28% in Q1 2026 from 5.88% in the prior year.

  • Return on Equity Increased

    Return on average common equity rose to 12.12% from 10.31% year-over-year.

What to watch

  • Increase in Nonperforming Loans

    Nonperforming loans increased to 0.66% of total loans from 0.43% at December 31, 2025.

  • Rising Noninterest Expenses

    Noninterest expenses rose to $22.8 million, up 40.7% from the prior year, primarily due to acquisition integration costs.

  • Liquidity Concerns with Uninsured Deposits

    Uninsured deposits were 36% of total deposits, increasing from 34% at year-end 2025, raising liquidity risk.

Management's outlook

Outlook deferred to earnings press release / call.

This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.