For the quarter ending 2025-09-30, ISTR made $40,524K in revenue. $5,651K in net income. Net profit margin of 13.94%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Legal settlement | - | - | - | 1,122 |
| Gain (loss) on call or sale of investment securities, net | - | - | - | 1 |
| Interest on deposits | - | - | 14,640 | 15,729 |
| Other operating income | - | - | 457 | 561 |
| Interest on borrowings | - | - | 1,449 | 3,263 |
| (loss) gain on sale of other real estate owned, net | - | - | - | -4 |
| (loss) gain on sale or disposition of fixed assets, net | - | - | -3 | - |
| Total interest expense | - | - | 16,089 | 18,992 |
| Change in the fair value of equity securities | - | - | -76 | 174 |
| Taxable | - | - | 2,679 | 2,755 |
| Income from bank owned life insurance | - | - | 448 | 459 |
| Tax-exempt | - | - | 671 | 228 |
| Total noninterest income | - | - | 2,011 | 3,544 |
| Other interest income | - | - | 532 | 1,101 |
| Interest and fees on loans | - | - | 30,552 | 32,764 |
| Total interest income | - | - | 34,434 | 36,848 |
| Net interest income | - | - | 18,345 | 17,856 |
| Provision for credit losses | - | - | -3,596 | -945 |
| Net interest income after provision for credit losses | - | - | 21,941 | 18,801 |
| Income before noninterest expense | 23,998 | 22,129 | 1,185 | 1,231 |
| Depreciation and amortization | 683 | 710 | 721 | 760 |
| Salaries and employee benefits | 10,302 | 10,257 | 9,603 | 9,982 |
| Occupancy | 679 | 675 | 641 | 652 |
| Data processing | 831 | 914 | 897 | 880 |
| Income before noninterest expense | - | - | 23,952 | 22,345 |
| Marketing | 101 | 112 | 111 | 121 |
| Professional fees | 496 | 468 | 591 | 473 |
| Gain on early extinguishment of subordinated debt | 0 | 0 | - | - |
| Acquisition expense | 246 | 182 | - | - |
| Other operating expenses | 3,188 | 3,382 | 3,674 | 3,312 |
| Total noninterest expense | 16,526 | 16,700 | 16,238 | 16,180 |
| Income before income tax expense | 7,472 | 5,429 | 7,714 | 6,165 |
| Income tax expense | 1,293 | 935 | 1,421 | 784 |
| Net income | 6,179 | 4,494 | 6,293 | 5,381 |
| Preferred stock dividends declared | 528 | - | - | - |
| Net income available to common shareholders | 5,651 | - | - | - |
| Basic earnings per common share (in dollars per share) | 0.57 | 0.46 | 0.64 | 0.55 |
| Diluted earnings per common share (in dollars per share) | 0.54 | 0.46 | 0.63 | 0.54 |
| Us-gaap_weightedaveragenumberofdilutedsharesoutstanding | 11,527,876 | 9,958,394 | 9,960,940 | 9,902,448 |
| Weighted average basic shares outstanding (in shares) | 9,830,387 | 9,844,351 | 9,832,625 | 9,828,776 |
Investar Holding Corp (ISTR)
Investar Holding Corp (ISTR)