Investar Holding Corp — Form 8-K
Filed July 20, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 42/100
What the filing says
Investar (ISTR, $177M market cap) reported Q2 2026 net income of $8.9M ($0.61 diluted EPS) vs. $11.5M ($0.77) in Q1 2026 and $4.5M ($0.46) in Q2 2025. The company completed its January 2026 acquisition of Wichita Falls Bancshares (WFB, adding $962M in loans and $1.02B in deposits) and finished the operational conversion in May 2026. Net interest margin expanded 8 basis points to 3.67% (Q1: 3.59%), driven by lower funding costs. The company repurchased 27,235 shares at $27.68/share and raised its quarterly dividend 9% to $0.12/share. Key metrics: nonperforming loans improved to 0.63% of total loans; loans decreased $7.9M linked-quarter but grew $953.5M year-over-year; deposits declined $18.9M linked-quarter as brokered time deposits were intentionally reduced.
Why this rating
WFB integration materially increases size (~45% loan growth YoY) but Q2 earnings decline QoQ is offset by improved margins and completed systems conversion, suggesting integration on track. Moderate relative to company scale.
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