Investar Bank

Investar Bank is headquartered in Baton Rouge and is the 43^rd largest bank in the state of Louisiana. It is also the 2,138^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 70 employees at 5 locations. Investar Bank has a 5-star health rating.

Investar Bank Routing Number: 065405459

Data for Q1 2012

Institution Statistics Investar Bank FDIC Certificate # 58316 BankRate Report View Year Established 2006 Employees 70 Primary Regulator FDIC Assets and Liabilities Assets $305.78 million Loans $232.18 million Deposits $249.89 million Equity Capital $37.30 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $667,000 Real Estate Owned $2.08 million Historic Data - March 2011 Assets $202.67 million Equity Capital $18.05 million Loan Loss Allowance $1.51 million Unbacked Noncurrent Loans $2.47 million Real Estate Owned $1.06 million Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 0.88% Return on Equity 7.11% Interest Income $3.39 million

Institution Health Overall Score: 5 out of 5 Texas Ratio 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 March 31, 2012 Investar Bank had $2.75 million in non-current loans and owned real-estate with $39.2 million in equity and loan loss allowances on hand to cover it. This gives Investar Bank a Texas Ratio of 7.01% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Investar Bank decreased significantly from 18.08% as of March 31, 2011 to 7.01% as of March 31, 2012, resulting in a positive change of 61.25%.This indicates that the balance sheet and financial strength for Investar Bank has improved significantly in recent periods. Deposit Growth In the past year, Investar Bank has increased its total deposits by $78.5 million, resulting in 45.81% 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 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 $305.78 million in assets with $39.2 million in equity, resulting in a capitalization level of 12.82%, which is excellent.

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