Investor Presentaiton

Loan Portfolio – 1st Quarter Update - ■ Loan yield of 5.27% ▪ Total_loans_increased $4.3 million, or 0.2%, to $2.11 billion at March 31, 2023, compared to $2.10 billion at December 31, 2022. ☐ Excluding loans associated with the Alice and Victoria, Texas branches sold to First Community Bank, total loans increased $18.2 million, or 0.9% (3.6% annualized), to $2.11 billion at March 31, 2023, compared to $2.09 billion at December 31, 2022. Farmland 0.5% Multifamily. 3.8% 1-4 Family Residential 19.0% Consumer & Other 0.6% Owner-Occupied Commercial Real Estate 20.6% Construction & Development 10.0% Commercial & Industrial 20.2% As of March 31, 2023 Nonowner-Occupied Commercial Real Estate 25.3% (Dollars in Thousands) Construction & Development 1-4 Family Residential Multifamily 6/30/2021 $213,070 9/30/2021 12/31/2021 Loan Portfolio Detail - Quarterly Lookback 3/31/2022 6/30/2022 9/30/2022 12/31/2022 3/31/2023 $215,247 $203,204 $201,221 $214,543 $220,609 $201,633 $210,274 375,690 362,249 364,307 367,520 380,028 391,857 401,377 401,329 60,309 58,972 59,570 52,500 56,491 57,306 81,812 80,980 Farmland 22,263 21,376 20,128 18,296 15,676 14,202 12,877 10,731 Owner-Occupied Commercial Real Estate 438,590 432,898 460,205 436,763 440,714 445,671 445,148 433,585 Nonowner-Occupied Commercial Real Estate 445,125 435,575 436,172 471,447 451,108 464,520 513,095 533,572 Commercial & Industrial 370,203 335,008 310,831 314,093 343,355 397,759 435,093 425,093 Consumer & Other 22,570 19,333 17,595 15,603 14,480 13,753 13,732 13,480 Total Loans $1,947,820 $1,880,658 $1,872,012 $1,877,444 $1,916,395 $2,005,677 $2,104,767 $2,109,044 INVESTAR HOLDING CORPORATION 33 13

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