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Overview / Commentary
225-757-7117
7244 Perkins Road
Baton Rouge, LA 70808

Investar Bank is headquartered in Baton Rouge and is the 22nd largest bank in the state of Louisiana. It is also the 1,060th largest bank in the nation. It was established in 2006 and as of December of 2013, it had grown to 165 employees at 10 locations. Investar Bank's money market rates are 36% higher than the national average, and it has a B+ health rating.

Reviews (1)

Great Banking Experience

I had a great experience with Investar Bank, opening a checking account with a .60% interest rate and also with a 6 month CD.  Very friendly and helpful staff.

As of 2/10/13 they are offering 24 month CD @ 1.10%, 18 month CD @ .80% and a 3,6,9, or 12 month CD @ .75%

Some of the best rates in the Baton Rouge area.



Health

Data for Q4 2013

Institution Health

B+

Texas Ratio

GRADE:
A

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Investar Bank had $5 million in non-current loans and owned real-estate with $62.2 million in equity and loan loss allowances on hand to cover it. This gives Investar Bank a Texas Ratio of 8.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Investar Bank experienced no significant changes from 5.03% as of December 31, 2012 to 8.04% as of December 31, 2013, resulting in a negative change of 59.84%. This indicates that the balance sheet and financial strength for Investar Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Investar Bank has increased its total deposits by $233.02 million, resulting in 77.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Investar Bank has shown is excellent.

Capitalization

GRADE:
B

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Investar Bank has $634.75 million in assets with $62.2 million in equity, resulting in a capitalization level of 9.80%, which is above average.

Institution Statistics

Overall
FDIC Certificate #58316
Year Established2006
Employees165
Primary RegulatorFDIC
Assets and Liabilities
Assets$634.75 million
Loans$505.74 million
Deposits$532.69 million
Equity Capital$58.82 million
Loan Loss Allowance$3.38 million
Unbacked Noncurrent Loans$1.49 million
Real Estate Owned$3.52 million
Historic Data - December 2012
Assets$375.45 million
Equity Capital$43.55 million
Loan Loss Allowance$2.72 million
Unbacked Noncurrent Loans$1.49 million
Real Estate Owned$2.28 million
Profit Margin - Quarterly
Net Interest Margin4.12%
Return on Assets0.64%
Return on Equity6.27%
Interest Income$22.47 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Investar Bank, we are a rate comparison website and can not provide official rates or promotions.

Investar Bank Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.60%$50k-E-Star Savings

Investar Bank Money Market Rates

DetailsAPYMINMAXPRODUCT
0.60%$250,100$25kE-Star Money Market

Investar Bank Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.00%-$20kE-Star Checking

Investar Bank CD Rates

DetailsAPYMINMAXPRODUCT
1.21%-$95k36 Month Certificate
1.00%-$95k24 Month Certificate
0.85%-$95k18 Month Certificate
0.70%-$95k12 Month Certificate
0.65%-$95k9 Month Certificate
0.50%-$95k6 Month Certificate
0.40%-$95k3 Month Certificate
Locations


Investar Bank Locations
Coursey Boulevard Banking Branch10922 Coursey BoulevardBaton Rouge, LA 70816
Investar Bank's 2929 Highway 190 Branch2929 Highway 190Mandeville, LA 70471
Port Allen Branch3761 LA Highway 1 SouthPort Allen, LA 70767
Prairieville Branch38567 Hwy 42Prairieville, LA 70769
Lafayette Branch4023 Ambassador Caffery ParkwayLafayette, LA 70503
Range Avenue Branch482 South Range AvenueDenham Springs, LA 70726
Mandeville Branch4892 Louisiana Highway 22Mandeville, LA 70471
500 Vets Branch500 Veterans Memorial BoulevardMetairie, LA 70005
First Community Bank Branch600 Southwest Railroad AvenueHammond, LA 70403
Investar Bank7244 Perkins RoadBaton Rouge, LA 70808