Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of report (Date of earliest event reported): September 24, 2014



Investar Holding Corporation

(Exact name of registrant as specified in its charter)




Louisiana   001-36522   27-1560715

(State or other jurisdiction

of incorporation)



File Number)


(I.R.S. Employer

Identification No.)

7244 Perkins Road

Baton Rouge, Louisiana 70808

(Address of principal executive offices, including zip code)

Registrant’s telephone number, including area code: (225) 227-2222



Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))




Item 7.01. Regulation FD Disclosure

Investar Holding Corporation (the “Company”) has announced that John J. D’Angelo, Chief Executive Officer and President, will make a presentation regarding the Company at the 2014 Financial Institutions Conference hosted by the Society of Louisiana Certified Public Accountants to be held Wednesday, September 24, 2014 at the L’Auberge Hotel & Casino in Baton Rouge, Louisiana. The slides attached to this report as Exhibit 99.1 were prepared for the presentation.

The information in this report is being furnished, not filed, pursuant to Regulation FD. Accordingly, the information in Items 7.01 and 9.01 of this report will not be incorporated by reference into any registration statement filed by the Company under the Securities Act of 1933, as amended, unless specifically identified therein as being incorporated therein by reference. The furnishing of the information in this report is not intended to, and does not, constitute a determination or admission by the Company that the information in this report is material or complete, or that investors should consider this information before making an investment decision with respect to any security of the Company.

The exhibit to this report may include certain statements concerning expectations for the future that are forward-looking statements as defined by federal securities law. It is important to note that the Company’s actual results could differ materially from those projected in such forward-looking statements. Factors that could affect those results include those mentioned in the Company’s Registration Statement on Form S-1 that the Company originally filed with the SEC on May 16, 2014 (and subsequently amended) and other documents that the Company has filed with the Securities and Exchange Commission. The Company does not intend to update these statements unless required by the securities laws to do so, and the Company undertakes no obligation to publicly release the result of any revisions to any such forward-looking statements that may be made to reflect events or circumstances after the date of this report or to reflect the occurrence of unanticipated events.


Item 9.01. Financial Statements and Exhibits.

(d) Exhibits




Description of Exhibit

99.1    Presentation slides to be used on September 24, 2014 at the 2014 Financial Institutions Conference hosted by the Society of Louisiana Certified Public Accountants


Pursuant to the requirements of the Securities Exchange Act of 1934, the Company has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


Date: September 24, 2014     By:   /s/ John J. D’Angelo
      John J. D’Angelo
      President and Chief Executive Officer

Exhibit 99.1



NASDAQ: istr
September 24, 2014


Forward-looking Statements
This presentation may include forward-looking statements as www.investarbank.com defined by the Private Securities Litigation Reform Act of 1995. These forward-looking statements are based upon
currentexpectationsandassumptionsaboutourbusinessthat are subject to a variety of risks and uncertainties that could
We encourage everyone to visit the cause the actual results to differ materially from those Investors Section of our website at described in this presentation. You should not rely on www.investarbank.com, where we forward-lookingstatementsasapredictionoffutureevents. have posted additional important information such as press releases Additional information regarding factors that could cause andSECfilings. actual results to differ materially from those discussed in any forward looking statements are described in reports and We intend to use our website to registration statements we file with the SEC, including our expedite public access to time-Annual Report on Form 10-K and subsequent Quarterly critical information regarding the Reports on Form 10-Q and Current Reports on Form 8-K, Company in advance of or in lieu of copies of which are available on the Investar internet website distributing a press release or a http://www.investarbank.com. filing with the SEC disclosing the sameinformation.
We disclaim any obligation to update any forward-looking statements or any changes in events, conditions or circumstances upon which any forward-looking statement maybebasedexceptasrequiredbylaw.



Investar Holding Corporation Accomplishments
Since commencing operations in June 2006, Investar has successfully established a profitable commercial bank in multiple growth markets:
Firmly Established in Four Key Louisiana Markets
High Quality Organic Loan Portfolio
Very Strong Growth Complemented by Two Successful Acquisitions
Key Areas Staffed with Experienced Bankers
Nimble Institution Able to Shift Resources as Customers’ Demands Change


Franchise Overview Franchise History June 2006 June 2006 – Chartered with an initial capitalization of $10.1 million FY 2008 FY 2008 – Achieved profitability in second full year of operations May 2009 – Opened second branch in May 2009 Baton Rouge 2H 2011 – Opened two additional branches in Baton Rouge Market October 2011 October 1, 2011 – Acquired South Louisiana Business Bank December 2012 – Entered the New Orleans market through the purchase December 2012 of two closed branch locations and hiring of local bankers May 2013 – Entered the Hammond May 2013 market through the acquisition of First Community Bank July 2013 – Entered Lafayette market July 2013 by opening a de novo branch July 2014 – Successfully completed July 2014 IPO August 2014 August 2014 – Opened sixth branch in Baton Rouge Market 11 full-service branches in the Baton Rouge, New Orleans, Hammond, and Lafayette markets 165 employees at 6/30/14 One planned branch in 2014 and one in 2015 5-year CAGRs¹ – Assets – 34.8% – Loans – 33.2% – Deposits – 35.2%


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 – Disciplined credit philosophy – legacy delinquencies less than 1% Profitability – Expected to increase as investment in infrastructure has already been made


Attractive Markets – Baton Rouge Baton Rouge is Louisiana’s second largest market by deposits and is the state capital – The farthest inland deep-water port on the Mississippi River, Baton Rouge is a major center of commercial and industrial activity, especially for the chemical and gas industry – Center for research and development, renewable energy sources, transportation, construction, and distribution. IBM announced in March 2013 plans to locate a service center in downtown Baton Rouge resulting in 800 new direct jobs – In the July/August 2013 issue, Business Facilities magazine ranked Baton Rouge the No. 1 metro area in the United States for Economic Growth Potential Deposit Market Share Deposits Market Rank Institution (ST) Branches ($mm) Share (%)
1 JPMorgan Chase & Co. (NY) 34 $6,853 38.4%
2 Capital One Financial Corp. (VA) 28 3,140 17.6
3 Hancock Holding Co. (MS) 32 2,002 11.2
4 Regions Financial Corp. (AL) 27 1,831 10.3
5 IBERIABANK Corp. (LA) 10 561 3.1
6 Investar Holding Corp. (LA) 5 327 1.8
7 American Gateway Finl Corp. (LA) 10 265 1.5
8 Bus. First Bancshares Inc. (LA) 1 259 1.5 9 First Guaranty Bancshares Inc. (LA) 5 225 1.3 10 Citizens Bancorp. Inc. (LA) 7 202 1.1 Total For Institutions In Market 245 17,848 March 31, 2014 Deposits: $355.2 million March 31, 2014 Loans: $195.7 Market Share Opportunity Total Deposits: $18.0 Billion


Attractive Markets – New Orleans New Orleans is Louisiana’s largest city by population and deposits – Economy is driven by the hospitality and tourism industries – in 2012, nine million visitors spent a record $6.0 billion in New Orleans – Fifth largest port in the United States by cargo tonnage and becoming a major port for the cruise industry, currently ranked the sixth largest U.S. cruise port – In April, 2013, BloombergRankings ranked the New Orleans metropolitan area No. 2 in its list of Top 12 American Boomtowns, and Forbes ranked New Orleans sixth in its October 2013 listing of cities creating the most middle class jobs Deposit Market Share Deposits Market Rank Institution (ST) Branches ($mm) Share (%)
1 Capital One Financial Corp. (VA) 53 10,391 32.4%
2 Hancock Holding Co. (MS) 45 4,927 15.4
3 JPMorgan Chase & Co. (NY) 37 4,692 14.6
4 Regions Financial Corp. (AL) 34 2,380 7.4
5 First NBC Bank Holding Co. (LA) 26 2,289 7.1
6 IBERIABANK Corp. (LA) 23 1,515 4.7
7 Gulf Coast B&TC (LA) 15 801 2.5
8 Fidelity Homestead SB (LA) 15 679 2.1 9 CB&T Holding Corp. (LA) 3 667 2.1 10 First Trust Corp. (LA) 8 507 1.6 26 Investar Holding Corp. (LA) 3 60 0.2 Total For Institutions In Market 364 32,050 March 31, 2014 Deposits: $81.5 million March 31, 2014 Loans: $110.8 million Market Share Opportunity


Attractive Markets – Hammond Hammond is the commercial hub of a large agricultural segment of Louisiana – Home to Southeastern Louisiana University (14,000 undergraduates) – The economy has evolved from primarily agricultural to a major distribution hub – Home to several large distribution centers including Wal-Mart, Home Depot and Winn Dixie Deposit Market Share Deposits Market Rank Institution (ST) Branches ($mm) Share (%)
1 First Guaranty Bancshares Inc. (LA) 8 630 39.4%
2 Hancock Holding Co. (MS) 6 193 12.1
3 First NBC Bank Holding Co. (LA) 4 181 11.3
4 FPB Financial Corp. (LA) 4 166 10.4
5 Regions Financial Corp. (AL) 4 136 8.5
6 Capital One Financial Corp. (VA) 2 73 4.6
7 First Trust Corp. (LA) 2 64 4.0
8 JPMorgan Chase & Co. (NY) 2 56 3.5 9 Investar Holding Corp. (LA) 1 51 3.2 10 Fidelity Homestead SB (LA) 2 23 1.4 Total For Institutions In Market 39 1,599 March 31, 2014 Deposits: $83.8 million March 31, 2014 Loans: $56.1 million Market Share Opportunity Total Deposits: $1.6 Billion


Attractive Markets – Lafayette Lafayette is Louisiana’s third largest city by population and deposits – The economy is historically driven by the oil and gas industry, but healthcare now provides the most private sector jobs – Experiencing economic diversification as the healthcare sector grows and companies such as Bell Helicopter open plants in Lafayette – In Area Development magazine’s 2013 “Leading Locations” study focusing on U.S. cities emerging from the recession, Lafayette received the top overall ranking due to the growth of the healthcare industry, including the completion and renovation of two medical centers and an unemployment rate of 3.5% Deposit Market Share Deposits Market Rank Institution (ST) Branches ($mm) Share (%)
1 IBERIABANK Corp. (LA) 29 2,725 27.3%
2 JPMorgan Chase & Co. (NY) 19 1,205 12.1
3 MidSouth Bancorp Inc. (LA) 17 640 6.4
4 Capital One Financial Corp. (VA) 10 624 6.3
5 Hancock Holding Co. (MS) 9 516 5.2
6 Home Bancorp Inc. (LA) 9 514 5.2
7 Financial Corp. of Louisiana (LA) 10 505 5.1
8 Regions Financial Corp. (AL) 9 448 4.5 9 Gulf Coast Bancshares Inc. (LA) 15 319 3.2 10 Bank of Commerce & TC (LA) 5 291 2.9 35 Investar Holding Corp. (LA) 1 6 0.1 Total For Institutions In Market 203 9,998 March 31, 2014 Deposits: $43.6 million March 31, 2014 Loans: $15.6 million Market Share Opportunity


Growth Has Been the Story millions) Total Assets ($ millions) Total Loans ($



Opportunistic Acquirer Two whole bank transactions since 2011 Processes and infrastructure established to analyze selective opportunities going forward South Louisiana Business Bank Announced: June, 2011 Closed: October, 2011 1 Branch in Prairieville, LA $31.5 million in gross loans¹ $38.6 million in deposits¹ Rationale Entered Ascension Parish with 3.4% deposit market share Capital accretive Management talent First Community Bank Announced: January, 2013 Closed: May, 2013 2 Branches – Hammond and Mandeville, LA $77.5 million in gross loans¹ $86.5 million in depositsa Rationale Recorded bargain purchase gain (86% of book value) Initial entrance into Hammond market plus another location in the New Orleans MSA Current Landscape 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



Acquisition Strategy Return of investment in 3-5 years Geography primarily in our existing markets in Southern Louisiana We will consider expansion into other markets if presented with an attractive acquisition opportunity Good partners that agree with our culture and strategy Banks with asset size of $500,000,000 and below