Changed Risks for INVESTAR HOLDING CORP (ISTR)

Here are risks that changed year over year. risks from the recent filings of INVESTAR HOLDING CORP. Our algorithms work hard to highlight risks unique to this company.

Loss of deposits or a change in deposit mix could increase the Company's funding costs

We cannot guarantee that our stock repurchase programs will be fully implemented or that they will enhance long-term shareholder value Repurchases of our shares of common stock could also increase the volatility of the trading price of our shares of common stock and will diminish our cash reserves

We face significant operational and other risks related to our activities, which could expose us to negative publicity, litigation and/or regulatory action

If the goodwill that we record in connection with a business acquisition becomes impaired, it could require charges to earnings, which would have a negative impact on our financial condition and results of operations

Changes in the method pursuant to which the LIBOR and other benchmark rates are determined could adversely impact our business and results of operations

Our business is concentrated in southern Louisiana and southeast Texas, and an economic downturn affecting southern Louisiana or southeast Texas may magnify the adverse effects and consequences to us

The ongoing implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 could require significant management attention and resources and subject us to more stringent regulatory requirements

The integration of Mainland with the Company may be more difficult, costly or time-consuming than expected, and the anticipated benefits and cost savings of this acquisition by the Company may not be realized

As a business operating in the financial services industry, our business and operations may be adversely affected by current economic conditions and geopolitical matters

We may be subject to increased litigation which could result in legal liability and damage to our reputation

Our success depends on our ability to respond to the threats and opportunities of fintech innovation

The Company may not be able to complete future announced acquisitions

We rely on information technology and telecommunications systems and third-party vendors, and our failure to effectively implement new technology or a disruption of service could adversely affect our operations and financial condition

Our use of third-party vendors and our other ongoing third-party business relationships are subject to increasing regulatory requirements and attention

Changes in interest rates could have an adverse effect on our profitability