Investar Bank, National Association


Investar Bank, National Association is an FDIC insured institution headquartered at 7244 Perkins Rd, Baton Rouge, LA 70808.
It was founded in 2006 and has approximately $3 billion in assets. Customers can open an account at one of its 22 branches.

Deposit Rates - March 29, 2023

SAVINGS RATES APY MIN
CD RATES APY MIN
6 Mo CD
0.35% $10,000 Compare
6 Mo CD
0.37% $10,000 Compare
6 Mo CD
0.35% $100,000 Compare
6 Mo CD
0.37% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.20% $25,000 Compare
Money Market
0.10% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.01% $1
Int Ckg
0.05% $2,500
Special: 6 Mo
0.48% $100
Special: 6 Mo
0.35% $100
Special: 6 Mo
0.55% $100

Overview 2023

General Bank Information

FDIC Insured Yes
FDIC Certificate # 58316
Date Established 2006
Assets $ 2.59 billion
Loans $ 1,982.51 million
Deposits $ 2.06 billion
Capital $ 250.36 million

Summary Balance Sheet as of September 30, 2022

ASSETS
Cash & Balances due from depository institutions $ 35.43 million
Interest-bearing balances $ 4.10 million
Total securities $ 422.98 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 1,982.51 million
Loan loss allowance $ 23.16 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 2.33 million
Goodwill and other intangibles $ 43.26 million
All other assets $ 113.73 million
     Total Assets $ 2.41 billion

LIABILITIES
Total deposits $ 2.06 billion
      Interest-bearing deposits $ 1,462.07 million
      Deposits held in domestic offices $ 2.06 billion
      % insured (estimated) 67.19%
Federal funds purchased and repurchase agreements $ 0.17 million
Trading liabilities N.A.
Other borrowed funds $ 243.00 million
Subordinated debt N.A.
All other liabilities $ 12.52 millionn
      Total Liabilities $ 2.41 billion
      Shareholders’ Equity $ 180.87 million

Summary Income Statement as of September 30, 2022

INCOME AND EXPENSES
Total Interest Income $ 75.17 million
Total Interest Expense $ 5.56 million
Net interest income $ 69.61 million
Provision for loan and lease losses $ 1.65 million
Total non interest income $ 15.02 million
Total non interest expense $ 45.96 million
Pre-tax Net Operating Income $ 26.99 million

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Investar Bank, National Association Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    Bank
    LOUISIANA
    $50,000
    6 Month
    0.35%
    1.21x (National Avg. - 0.29%)
    $10,000
    -
    SCENARIO
    Year Rate
    0.35%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 175 123
    2 50,175 176 123
    3 50,351 176 123
    4 50,527 177 124
    5 50,704 177 124
    6 50,881 178 125
    7 51,059 179 125
    8 51,238 179 126
    9 51,417 180 126
    10 51,597 181 126
    11 51,778 181 127
    12 51,959 182 127
    13 52,141 182 128
    14 52,323 183 128
    15 52,507 184 129
    16 52,690 184 129
    17 52,875 185 130
    18 53,060 186 130
    19 53,245 186 130
    20 53,432 187 131
    TOTAL $3,619 $2,533
  • 2
    LOCAL CD
    Online Bank
    -
    $50,000
    60 Month
    4.10%
    5.06x (National Avg. - 0.81%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,050 1,435
    2 52,050 2,134 1,494
    3 54,184 2,222 1,555
    4 56,406 2,313 1,619
    5 58,718 2,407 1,685
    6 61,126 2,506 1,754
    7 63,632 2,609 1,826
    8 66,241 2,716 1,901
    9 68,957 2,827 1,979
    10 71,784 2,943 2,060
    11 74,727 3,064 2,145
    12 77,791 3,189 2,233
    13 80,980 3,320 2,324
    14 84,300 3,456 2,419
    15 87,757 3,598 2,519
    16 91,355 3,746 2,622
    17 95,100 3,899 2,729
    18 98,999 4,059 2,841
    19 103,058 4,225 2,958
    20 107,284 4,399 3,079
    TOTAL $61,682 $43,178
  • 3
    LOCAL CD
    Online Bank
    -
    $50,000
    24 Month
    4.30%
    7.75x (National Avg. - 0.56%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.30%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,150 1,505
    2 52,150 2,242 1,570
    3 54,392 2,339 1,637
    4 56,731 2,439 1,708
    5 59,171 2,544 1,781
    6 61,715 2,654 1,858
    7 64,369 2,768 1,938
    8 67,137 2,887 2,021
    9 70,024 3,011 2,108
    10 73,035 3,140 2,198
    11 76,175 3,276 2,293
    12 79,451 3,416 2,391
    13 82,867 3,563 2,494
    14 86,430 3,717 2,602
    15 90,147 3,876 2,713
    16 94,023 4,043 2,830
    17 98,066 4,217 2,952
    18 102,283 4,398 3,079
    19 106,681 4,587 3,211
    20 111,268 4,785 3,349
    TOTAL $66,053 $46,237
  • 4
    LOCAL CD
    Online Bank
    -
    $50,000
    12 Month
    4.50%
    10.23x (National Avg. - 0.44%)
    $2,500
    -
    SCENARIO
    Year Rate
    4.50%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 2,250 1,575
    2 52,250 2,351 1,646
    3 54,601 2,457 1,720
    4 57,058 2,568 1,797
    5 59,626 2,683 1,878
    6 62,309 2,804 1,963
    7 65,113 2,930 2,051
    8 68,043 3,062 2,143
    9 71,105 3,200 2,240
    10 74,305 3,344 2,341
    11 77,648 3,494 2,446
    12 81,143 3,651 2,556
    13 84,794 3,816 2,671
    14 88,610 3,987 2,791
    15 92,597 4,167 2,917
    16 96,764 4,354 3,048
    17 101,119 4,550 3,185
    18 105,669 4,755 3,329
    19 110,424 4,969 3,478
    20 115,393 5,193 3,635
    TOTAL $70,586 $49,410