Investar Holding 8K Regulation FD Disclosure | ISTR 5 Feb 15

NASDAQ: ISTR

Exhibit 99.1

This presentation may include forward-looking statements as

defined by the Private Securities Litigation Reform Act of

1995. These forward-looking statements are based upon

current expectations and assumptions about our business

that are subject to a variety of risks and uncertainties that

could cause the actual results to differ materially from those

described in this presentation. You should not rely on

forward-looking statements as a prediction of future events.

Additional information regarding factors that could cause

actual results to differ materially from those discussed in any

forward looking statements are described in reports and

registration statements we file with the SEC, including our

Annual Report on Form 10-K and subsequent Quarterly

Reports on Form 10-Q and Current Reports on Form 8-K,

copies of which are available on the Investar internet website

We disclaim any obligation to update any forward-looking

statements or any changes in events, conditions or

circumstances upon which any forward-looking statement

may be based except as required by law.

Forward-looking Statements

www.investarbank.com

NASDAQ: ISTR

We encourage everyone to visit the

Investors Section of our website at

www.investarbank.com,

where

have posted additional important

information such as press releases

and SEC filings.

We intend to use our website to

expedite public access to time-

critical information regarding the

Company in advance of or in lieu of

distributing a press release or a

filing with the SEC disclosing the

same information.

http://www.investarbank.com

Senior Management

John J. D’Angelo,

President & CEO

Christopher L. Hufft,

Chief Accounting Officer

•

Founding President and Chief Executive Officer

•

New Orleans native; graduate of Louisiana State University

•

Prior to founding Investar, Mr. D’Angelo was president and director of Aegis

Lending Corporation, a mortgage lending company with operations in 46 states

and the District of Columbia

•

Previously, Mr. D’Angelo held various senior positions at Hibernia National Bank

(the predecessor to Capital One Bank, N.A.), focusing on the East Baton Rouge

Parish, Louisiana, market

•

Current ownership of 1.9%

•

Joined the Bank in February 2014 as Chief Accounting Officer

•

Prior to joining the Bank, Mr. Hufft served for 9 years as the Vice President of

Accounting at Amedisys, Inc., a publicly-traded home health and hospice company

•

Mr. Hufft, a licensed certified public accountant, also spent seven years in public

accounting, serving both public and privately-held clients in the banking,

healthcare and manufacturing sectors

•

B.S. Accounting –

Louisiana State University

Travis M. Lavergne,

Chief Credit Officer

•

Served as Executive Vice President and Chief Credit Officer since March, 2013 and

Chief Risk Management Officer since joining in July 2012

•

Prior

joining

the

Bank,

Mr.

Lavergne

was

Senior

Examiner

the

Louisiana

Office of Financial Institutions from September 2005 to July 2012

•

B.S. Finance –

Louisiana State University

•

M.B.A. Southeastern Louisiana University

Accomplishments to Date

Key Areas Staffed with Experienced Bankers

Very Strong Growth Complemented by Two Successful Acquisitions

High Quality Organic Loan Portfolio

Nimble Institution Able to Shift Resources as Customers’

Demands Change

Firmly Established in Four Key Louisiana Markets

Since commencing operations in June 2006, Investar has successfully established a

profitable commercial bank in multiple growth markets:

Completed Initial Public Offering of 3.3 million shares generating net proceeds of

$41.7 million

Franchise Overview

Franchise History

June

2006

–

Chartered

with

initial capitalization of $10.1

million

2011

–

Opened

two

additional branches in Baton

Rouge Market

May

2013

–

Entered

the

Hammond market through the

acquisition of First Community

Bank

October

2011

–

Acquired

South Louisiana Business Bank

July

2013

–

Entered

Lafayette

market by opening a de novo

branch

December

2012

–

Entered

the

New Orleans market through

the purchase of two closed

branch locations and hiring of

local bankers

May

2009

–

Opened

second

branch in Baton Rouge

2008

–

Achieved

profitability

in second full year of

operations

July

2014

–

Completed

initial

public offering of 3.3 million

August

2014

–

Opened

additional branch in Baton

Rouge market

Franchise Overview

Branch Map

Current

•

11 full-service branches in the Baton

Rouge, New Orleans, Hammond, and

Lafayette markets

•

179 employees at 12/31/14

•

One new branch opening in 2015

•

Institutional ownership 38%

•

Insider ownership 10%

•

5-year CAGRs¹

–

Assets –

38.3%

–

Loans –

39.8%

–

Deposits –

34.2%

(1)

For the five years ended December 31, 2014

Our Market

Louisiana

•

Forecasting robust job creation of 34,100 in 2015 and 32,600 in 2016

•

According to these forecasts, Louisiana will surpass more than 2,000,000 non-farm employees for the first time in

the state’s history

•

Growth along and south of the I-10 corridor expected to be dynamic with modest expansion in central and

northern regions of Louisiana

New Orleans MSA

•

Projected to add 17,300 jobs in 2015-2016

•

$13.7 billion in industrial projects announced; $3.6 billion of which are already under construction

•

Additional $2 billion in projects by the Corps and $826 million improvement to MSY

•

LSU Health Sciences Center and VA Hospital will open during 2015-2016, adding 2,100 high-paying jobs

Baton Rouge MSA

•

Projected to add 19,600 new jobs in 2015-2016

•

$16.0 billion in industrial projects announced; $6.6 billion of which already under construction.

•

IBM’s Technology Center under construction and will be home to 800 jobs

•

Demand for construction workers jumped from 17,500 in August 2013 to 28,000 in February 2015

Lafayette MSA

•

Projected to add 5,700 new jobs in 2015-2016

•

Oil field service firms such as Haliburton, Danos, Frank’s International, National Oilwell, Varco and Newpark Mats

expanding

•

Three new high tech firms choosing Lafayette MSA for their homes, creating about 1,100 jobs over the same

period

Financial Highlights

(1)

Efficiency ratio is a non-GAAP financial measure

Note: Gross loans includes loans held for sale (HFS)

Amounts in thousands, except share data

2014

2013

Financial Highlights

Total Assets

$879,354

$634,946

Gross Loans

$726,186

$509,124

Total Deposits

$628,118

$532,606

Total Stockholders' Equity

$103,384

$55,483

Shares Outstanding

7,262,085

3,945,114

Capital Ratios

TE / TA

11.76%

8.74%

Tier 1 Leverage Ratio

12.61%

9.53%

Total RBC Ratio

14.41%

11.51%

Asset Quality Ratios

NPAs / Total Assets

0.69%

0.79%

NPLs / Loans

0.54%

0.30%

Loan Loss Reserves / Total Loans

0.74%

0.67%

Loan Loss Reserves / NPLs

138.61%

227.00%

NCOs / Avg Loans

0.07%

0.09%

Performance Ratios

Net Income

$5,397

$3,168

ROAE

6.80%

6.10%

ROAA

0.73%

0.64%

Net Interest Margin

3.85%

4.10%

Efficiency Ratio¹

74.90%

78.07%

Per Share Data

Tangible Book Value per Share

$13.79

$13.24

Diluted Earnings per Share

$0.93

$0.81

Year Ended December 31,

Current Strategy

•

Management

–

Continue to add experienced bankers in new and existing markets

•

Market

–

Southern Louisiana focus with complementary new market expansion

•

Growth

–

Leverage existing infrastructure in four markets

–

Limited de novo branching

–

Opportunistic, disciplined acquisition strategy

•

Asset Quality

–

Loan portfolio diversity

–

•

Profitability

–

Disciplined credit philosophy – legacy delinquencies less than 1%

Expected to increase as investment in infrastructure has already been made

Growth Has Been the Story

Total Assets

+33%

+69%

+34%

Gross Loans

+43%

+38%

+66%

+34%

FCB Acquisition

SLBB Acquisition

Note: Gray shading denotes the marked value of acquired assets and loans on date of the respective acquisitions of South Louisiana Bank (closed on October 1, 2011) and First Community Bank (closed on May 1, 2013)

+39%

Loan Composition

Year Ended December 31,

Increase/(Decrease)

2012

2013

2014

Amount

Mortgage loans on real estate

Construction and land development

$20,271

7.0%

$63,170

12.5%

$71,350

11.4%

$8,180

12.9%

1-4 Family

54,813

19.0

104,685

20.8

137,519

22.1

32,834

31.4

Multifamily

1,750

0.6

14,286

2.8

17,458

2.8

3,172

22.2

Farmland

0.0

830

0.2

2,919

0.5

2,089

251.7

Commercial real estate

Owner occupied

52,533

18.2

78,415

15.6

119,668

19.2

41,253

52.6

Nonowner occupied

47,394

16.4

78,948

15.6

105,390

16.9

26,442

33.5

Commercial and industrial

15,319

5.3

32,665

6.5

54,187

8.7

21,522

65.9

Consumer

96,609

33.5

131,096

26.0

114,299

18.4

(16,797)

(12.8)

Total loans

$288,753

100.0%

$504,095

100.0%

$622,790

100.0%

$118,695

23.5%

Loans held for sale

16,988

5,029

103,396

98,367

1,956.0

Total gross loans

$305,741

$509,124

$726,186

$217,062

42.6%

Loan Composition

December 31, 2014

Business Lending Portfolio²

Total Loans¹: $622.8 million

Yield on loans: 4.99%

53% of CRE is owner occupied

(1)

Total loans includes gross loans less loans held for sale

(2)

Business lending portfolio includes owner occupied CRE and C&I loans as of December 31, 2014

Total Business Lending Portfolio²:

$173.9 million

Retail Trade

16%

Real Estate

and Rental and

Leasing

13%

Health Care

and Social

Assistance

20%

Construction

Professional,

Scientific, and

Technical

Services

Finance and

Insurance

10%

Other

Industries less

than 5%

25%

Credit Metrics

FCB Acquisition

NPAs / Total Loans + OREO

NCOs / Average Loans

2012

Peers¹

Investar

Peers¹

Investar

(1)

Peer group consists of UBPR peers produced by the FFIEC and defined by a combination of asset size, number of branches and location in a Metropolitan Statistical Area

Disciplined Lending

•

Reserves

Total

Loans¹

²: 0.74%

•

Reserves / (Total Loans¹

–

Acquired): 0.80%

•

(Reserves

Marks)

Total

Loans¹

²: 0.89%

Reserves

Total

Loans¹

Reserves / NPLs

Provision Expense / NCOs

(1)

Total loans excludes loans held for sale and allowance for loan losses

(2)

Includes $43.1 million of loans from previous acquisitions that were marked-to-market as of December 31, 2014

(3)

Reserves/NPLs for December 31, 2011 was 6,236%

(4)

Reserves/NPLs for December 31, 2012 was 5,136%

(5)

Investar recorded net recoveries in FY 2012

Ex Acquired NPLs

1,250%

177%

Deposit Composition and Growth

Deposit Composition ¹

($628.1 million)

Total Deposits

2010 -

Present

Strategy has been to bring in customers through

competitive rates, then implement an aggressive

cross-sell strategy

(1)

As of December 31, 2014

(2)

After adjusting for a $14 million short term deposit made by a commercial customer in late December 2013 that was fully withdrawn in January 2014.

Rate

interest

bearing

deposits:

0.83%

Growth

noninterest

bearing

deposits:

19.4

Noninterest

bearing

11%

NOW

accounts

19%

Money

market

Savings 12%

accounts

CDs

49%

Performance Metrics

Net Interest Margin

(1)

Return on average assets was adjusted for the net effect of the Company’s investment in a tax credit entity recognized in 2014.

2014 Return on Average Assets

Performance Metrics

2014 Efficiency Ratio

(1)

Efficiency ratio is a non-GAAP financial measure. The efficiency ratio was adjusted for the impairment related to the Company’s investment in a tax credit entity for the quarter and year ended December 31, 2014 and

for the bargain purchase gain recognized as a result of the acquisition of South Louisiana Business Bank for the year ended December 31, 2013.

Expense Ratios

2010

2011

2012

2013

2014

Employees

100

167

179

Locations

Year Ended December 31,

Per Share Growth

Tangible Book Value (TBV) / Share

Profitability

+70%

+40%

+34%

+136%

Net Income and Earnings Per Share

Opportunistic Acquirer

•

Two whole bank transactions since 2011

•

Processes and infrastructure established to analyze selective opportunities going forward

•

Announced: June, 2011

•

Closed: October, 2011

•

1 Branch in Prairieville, LA

•

$31.5 million in gross loans¹

•

$38.6 million in deposits¹

•

Announced: January, 2013

•

Closed: May, 2013

•

2 Branches –

Hammond and Mandeville, LA

•

$77.5 million in gross loans¹

•

$86.5 million in deposits¹

South Louisiana Business Bank

First Community Bank

•

Focused on existing footprint and complementary markets in Southern Louisiana

•

63% of Louisiana-headquartered banks < $250 million in assets²

•

83% of Louisiana-headquartered banks < $500 million in assets²

Current Landscape

(1)

Based on fair values at time of closing

(2)

As of March 31, 2014

Rationale

•

Rationale

•

Entered Ascension Parish with 3.4% deposit

market share

Capital accretive

Management talent

Recorded bargain purchase gain

Initial entrance into Hammond market plus

another location in the New Orleans MSA

Investment Highlights

•

Strong historical balance sheet and earnings growth

•

Meaningful organic opportunities exist in market

•

Profitable with room to grow into current infrastructure

•

Clean asset quality

•

Experienced management team

•

Experienced, disciplined acquirer

•

Committed level of insider ownership

Appendix

Non-GAAP Financial Measures

Dollar values in thousands except per share amounts

2010

2011

2012

2013

2014

Total Stockholders' Equity - GAAP

$16,814

$35,166

$43,553

$55,483

$103,384

Adjustments

Goodwill

$2,684

Other Intangibles

$155

$145

$573

$532

Tangible Equity

$16,814

$32,327

$40,724

$52,226

$100,168

Total Assets - GAAP

$209,465

$279,330

$375,446

$634,946

$879,354

Adjustments

Goodwill

$2,684

Other Intangibles

$155

$145

$573

$532

Tangible Assets

$209,465

$276,491

$372,617

$631,689

$876,138

Total Shares Outstanding

Book Value Per Share

$11.46

$12.82

$13.56

$14.06

$14.24

Effect of Adjustment

$0.00

($1.03)

($0.88)

($0.82)

($0.45)

Tangible Book Value Per Share

$11.46

$11.79

$12.68

$13.24

$13.79

Total Equity to Total Assets

8.03%

12.59%

11.60%

8.74%

11.76%

Effect of Adjustment

(0.90)

(0.67)

(0.47)

(0.33)

Tangible Equity to Tangible Assets

8.03%

11.69%

10.93%

8.27%

11.43%

Efficiency Ratio

Noninterest Expense

$6,195

$8,615

$11,645

$19,024

$24,384

Income before Noninterest Expense

$7,293

$10,116

$14,985

$23,340

$30,926

Provision

$1,019

$639

$685

$1,026

$1,628

Efficiency Ratio

74.5%

80.1%

74.3%

78.1%

74.9%

Year Ended December 31,

Tangible book value per share, the ratio of tangible equity to tangible assets, and the efficiency ratio are not financial measures recognized under GAAP and, therefore, are

considered non-GAAP financial measures. Our management, banking regulators, many financial analysts and other investors use these non-GAAP financial measures to compare

the capital adequacy of banking organizations with significant amounts of preferred equity and/or goodwill or other intangible assets, which typically stem from the use of the

purchase accounting method of accounting for mergers and acquisitions. Tangible equity, tangible assets, tangible book value per share or related measures should not be

considered in isolation or as a substitute for total stockholders’ equity, total assets, book value per share or any other measure calculated in accordance with GAAP. Moreover,

the manner in which we calculate tangible equity, tangible assets, tangible book value per share and any other related measures may differ from that of other companies

reporting measures with similar names. The following table reconciles, as of the dates set forth below, stockholders’ equity (on a GAAP basis) to tangible equity and total assets

(on a GAAP basis) to tangible assets and calculates our tangible book value per share.

Income Statement

2010

2011

2012

2013

2014

INTEREST INCOME

Interest and fees on loans

$ 9,082

$ 10,877

$ 13,968

$ 21,686

$ 29,979

Interest on investment securities

611

406

585

756

1,339

Other interest income

TOTAL INTEREST INCOME

9,710

11,302

14,857

22,472

31,368

INTEREST EXPENSE

Interest on deposits

3,194

2,445

2,361

3,204

4,273

Interest on borrowings

300

134

181

256

402

TOTAL INTEREST EXPENSE

3,494

2,579

2,542

3,460

4,675

NET INTEREST INCOME

6,216

8,723

12,042

19,012

26,694

PROVISION FOR LOAN LOSSES

1,019

639

685

1,026

1,628

NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES

5,197

8,084

11,360

17,986

25,066

NON-INTEREST INCOME

Service charges on deposit accounts

102

118

214

305

Gain on sale of investment securities, net

184

160

139

449

340

Net gain on sale of assets

346

1,892

Bargain purchase gain

906

Fee income on mortgage loans held for sale, net

1,733

1,569

3,131

2,843

2,119

Other operating income

105

146

201

596

1,204

TOTAL NON-INTEREST INCOME

2,096

2,032

3,625

5,354

5,860

INCOME BEFORE NON-INTEREST EXPENSE

7,293

10,116

14,985

23,340

30,926

NON-INTEREST EXPENSE

Salaries and employee benefits

3,538

4,909

7,461

11,772

14,565

Impairment on investment in tax credit entity

690

Operating expenses

2,657

3,706

4,184

7,252

9,129

TOTAL NON-INTEREST EXPENSE

6,195

8,615

11,645

19,024

24,384

INCOME BEFORE INCOME TAX EXPENSE

1,098

1,501

3,340

4,316

6,542

INCOME TAX EXPENSE

383

502

979

1,148

1,145

NET INCOME

715

999

2,361

3,168

5,397

Basic earnings per share

0.51

0.54

0.79

0.86

0.98

Diluted earnings per share

0.43

0.47

0.71

0.81

0.93

Year Ended December 31,

Investar Holding (ISTR) 8-KRegulation FD Disclosure