ISTRMEDIUM SIGNALREGULATORY10-K

Investar Holding Corporation has substantially enhanced its cybersecurity governance framework with new Board-level oversight structures and detailed risk management protocols.

The addition of comprehensive cybersecurity governance language, including establishment of an IT Committee and formal CISO reporting structures, reflects heightened regulatory focus on cybersecurity risk management in banking. This proactive governance enhancement positions the company well for evolving regulatory requirements and demonstrates mature risk management practices that should reassure stakeholders about the bank's operational resilience.

Comparing 2026-03-16 vs 2025-03-12View on EDGAR →
FINANCIAL ANALYSIS

Investar delivered solid financial performance with net income growing 13.1% to $22.9 million and operating cash flow improving 14.4% to $18.2 million. The company strengthened its balance sheet meaningfully, with cash and equivalents rising 41.2% to $29.3 million and stockholders' equity expanding 24.8% to $301.1 million. This combination of improved profitability, stronger cash position, and enhanced equity base suggests healthy operational momentum and financial stability.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
+41.2%
$20.8M→$29.3M

Cash position surged 41.2% — strong cash generation or capital raise providing significant financial cushion.

Stockholders Equity
Balance Sheet
+24.8%
$241.3M→$301.1M

Equity base grew 24.8% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Operating Cash Flow
Cash Flow
+14.4%
$15.9M→$18.2M

Operating cash flow grew 14.4% — strong conversion of earnings to cash, healthy business fundamentals.

Net Income
P&L
+13.1%
$20.3M→$22.9M

Net income grew 13.1% — bottom-line growth signals improving overall business health.

LANGUAGE CHANGES
NEW — 2026-03-16
PRIOR — 2025-03-12
ADDED
istr20251231_10k.htm 0001602658 Investar Holding Corporation false --12-31 FY 2025 true true true false The Board is responsible for oversight of risks from cybersecurity threats.
Oversight of cybersecurity risk management is performed primarily by the Board and the IT Committee.
The IT Committee s primary purpose is to assist the Board in its oversight of technology and innovation strategies, plans and operations related to cybersecurity, data privacy, and third-party technology risk management.
Of the IT Committee members who are not Board members, only our CIO and CISO are responsible for assessing and managing cybersecurity risks, and the other committee members are responsible for oversight.
The CISO provides monthly information security reports to the Board and IT Committee on cybersecurity programs, policies and controls, key risk indicators and trends including responses to any cybersecurity events, and efforts to improve security.
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REMOVED
Fair values determined through valuation analysis using coupon, yield (discount margin), liquidity and expected repayment dates.
At December 31, 2023 the Company had notional amounts of $174.9 million in interest rate swap contracts with customers and $174.9 million in offsetting interest rate swap contracts with other financial institutions.
Other real estate owned that was remeasured during the period had a carrying value of $0.9 million at December 31, 2024.
During the year ended December 31, 2024, the Company recorded a $0.2 million write-down of other real estate owned, which is included as part of Other operating expenses in noninterest expense on the accompanying consolidated statement of income.
Derivative assets and liabilities are reported at fair value in Other assets and Accrued taxes and other liabilities , respectively, in the accompanying consolidated balance sheets.
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