Risk factors
Investar Holding (ISTR) risk factors
Item 1A of every Investar Holding Corp. 10-K on file, and what changed from one year to the next.
- FY2025 10-K risk factors
41 risks, 3 new, 2 dropped, 12 reworded since the prior year. Acquisitions, preferred stock issuance, and credit risk exposure dominate Investar's risk profile this year.
Filed Mar 16, 2026 - FY2024 10-K risk factors
40 risks. Investar Holding Corporation faces dominant risks from fluctuating interest rates affecting its cost of deposits and net interest margin. Regional economic concentration in southern Louisiana, Texas, and Alabama exposes the bank to local downturns and severe weather. Extensive federal and state banking regulations, compliance burdens, and competitive pressures heavily shape operational risks.
Filed Mar 12, 2025