Investor Presentaiton

Recent Core Earnings Performance Core Net Income¹ ($000) Core Earnings Per Share (Diluted) 1 $7,107 $7,119 $6,328 $6,219 $5,123 $0.71 $0.68 $0.62 $0.62 $0.51 2022Q1 2022Q2 2022 Q3 2022Q4 2023Q1 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 Core ROAA (%) 1 Core Efficiency Ratio (%) 1 1.13 1.08 0.99 0.92 64.51 0.76 63.21 63.35 61.63 2022Q1 2022Q2 2022Q3 2022Q4 2023Q1 INVESTAR HOLDING CORPORATION 1 Non-GAAP financial measure; please see slides 22-24 in the appendix for additional details 69.89 2022Q1 2022Q2 2022 Q3 2022Q4 2023Q1 11

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