BlastPoint's Banking Scorecard
Investar Bank, National Association
Community
Specialty: Commercial
LA
FDIC cert 58316
Baton Rouge, LA
1484
banks in Community tier nationally
37 in LA
View Community leaderboard (LA) →
Investar Bank, National Association faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3% in Community
- - Liquidity Strain: Bottom 10% in Community
- - Credit Quality Pressure: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+4.0% YoY
+1.2% QoQ
|
+$1.4B |
$1.4B
+2.0% YoY
|
$757.6M
+4.2% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$2.1B
+2.4% YoY
+1.2% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$510.8M
+1.6% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.4B
+0.5% YoY
-0.9% QoQ
|
+$1.2B |
$1.2B
+1.7% YoY
|
$647.1M
+4.0% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.89%
+9.6% YoY
+2.6% QoQ
|
-0.27% |
1.16%
+17.2% YoY
|
1.09%
+11.0% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.27%
+14.2% YoY
+1.7% QoQ
|
-0.39% |
3.66%
+9.1% YoY
|
4.11%
+6.6% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
70.11%
-1.0% YoY
-2.2% QoQ
|
+7.48% |
62.63%
-5.3% YoY
|
68.99%
-3.0% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.43%
+2.4% YoY
+19.2% QoQ
|
-0.20% |
0.63%
+18.3% YoY
|
1.20%
-3.6% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
91.10%
+1.9% YoY
+2.1% QoQ
|
+8.04% |
83.06%
+0.3% YoY
|
76.53%
+1.5% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
19.30%
+4.6% YoY
+1.1% QoQ
|
-1.75% |
21.05%
-0.9% YoY
|
23.36%
-2.3% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.45%
-13.5% YoY
+1.4% QoQ
|
-0.05% |
0.50%
+20.3% YoY
|
0.96%
+1.0% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
13.00%
+10.4% YoY
-0.4% QoQ
|
+2.75% |
10.24%
-0.6% YoY
|
8.68%
-5.6% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.30%
-41.7% YoY
+31.7% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.55%
-11.7% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#20 of 642 · Bottom 3% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#50 of 513 · Bottom 10% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.10%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Credit Quality Pressure
risk
#162 of 808 · Bottom 20% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.43%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
89
89th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.10% · Tier avg: 83.06%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 10.24%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.30% · Tier avg: 21.05%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
27
27th pctile
Efficiency Ratio
Current: 70.11% · Tier avg: 62.63%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
Top Weaknesses
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
27
27th pctile
Efficiency Ratio
Current: 70.11% · Tier avg: 62.63%
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
31
31th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.16%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.30% · Tier avg: 21.05%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
58
58th pctile
Tier 1 Capital Ratio
Current: 13.00% · Tier avg: 10.24%
68
68th pctile
Loan-to-Deposit Ratio
Current: 91.10% · Tier avg: 83.06%
89
89th pctile
Total Assets
Current: $2.8B · Tier avg: $1.4B
89
89th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M