MEDIUMBuilt-inLoan_portfolio
48%
commercial real estate loans
“10-K Item 1: 'Approximately 48% of our total loans at December 31, 2025 were commercial real estate loans'”
ISTR · Concentration risk · 10-K extracted
Investar Holding (ISTR) concentration risks
Updated
The most significant concentration Investar Holding discloses is commercial real estate loans at 48%, classified MEDIUM by disclosed size. Below: the full set from the latest 10-K — verbatim quotes, filing references, and a synthesis of what these exposures mean together.
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Source: Investar Holding’s SEC Form 10-K filed — view the filing on SEC EDGAR ↗
At a glance
Disclosed-size breakdown · 2 disclosed concentrations
HIGH0
MEDIUM2
LOW0
Disclosed concentrations
Each card carries a disclosed-size chip (HIGH / MEDIUM / LOW — how large the exposure is as a share of revenue, not how dangerous it is) and a nature tag: Built-in(the company’s own model, geography, or products) or Outside party (an external customer, supplier, or distributor it relies on).
MEDIUMBuilt-inLoan_portfolio
27%
commercial and industrial loans
“10-K Item 1: 'Commercial and industrial loans accounted for approximately 27% of our total loans at December 31, 2025.'”
TrendMatrix Research · concentration synthesis
What these concentrations mean together
updated 2026-07-06Investar Holding's concentration exposure is a loan-portfolio composition story rather than a customer or supplier dependency. Commercial real estate loans made up approximately 48% of total loans at December 31, 2025, while commercial and industrial loans added another 27% — together accounting for roughly three-quarters of the loan book. Both are structural characteristics of the bank's chosen lending mix rather than idiosyncratic counterparty risk, meaning the exposure is tied to the health of the commercial real estate and C&I sectors broadly rather than to any single borrower's fortunes. Since both bands sit at MEDIUM rather than HIGH, neither exposure alone stands out as extreme relative to a typical community bank, but their combination means Investar's asset quality is meaningfully tied to how commercial borrowers, particularly in real estate, perform through a credit cycle. For an educated investor, this reads as a conventional community-bank concentration profile: manageable in isolation, but the CRE and C&I mix together is the lever most likely to move loss provisioning and, in turn, the investment verdict, should commercial credit conditions deteriorate. Both are disclosed in the most recent 10-K.
For the engine’s reasoning on ISTR’s current verdict — including which dimensions drove the score — see the per-dimension breakdown.
Industry peers · Banks - Regional
Peer concentration profile
| Symbol | Name | HIGH | MEDIUM | LOW | Total |
|---|---|---|---|---|---|
| AMAL | Amalgamated Financial Corp. | 2 | 1 | 0 | 3 |
| ACNB | ACNB Corporation | 1 | 1 | 0 | 2 |
| ALRS | Alerus Financial Corporation | 1 | 1 | 0 | 2 |
| ISTR● | Investar Holding Corporation | 0 | 2 | 0 | 2 |
| AMTB | Amerant Bancorp Inc. | 0 | 1 | 1 | 2 |
| ABCB | Ameris Bancorp | 0 | 0 | 0 | 0 |
Concentration counts reflect items disclosed in each peer’s most recent 10-K; disclosed-size classification uses TrendMatrix’s internal 10-K extraction taxonomy.