Item 7.01 Regulation FD Disclosure

Representatives of Investar Holding Corporation (the "Company"), the holding company for Investar Bank, National Association (the "Bank"), intend to participate in the 2023 Gulf South Bank Conference, which is being held on May 8-9, 2023. A copy of the presentation materials is furnished as Exhibit 99.1 to this Form 8-K and is incorporated herein solely for purposes of this Item 7.01.

In accordance with General Instruction B.2 of Form 8-K, the information in this Item 7.01, including Exhibit 99.1, is being furnished and shall not be deemed to be "filed" for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and shall not be deemed incorporated by reference into any registration statement or other document filed pursuant to the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, except as shall be expressly set forth by specific reference in such filing.

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. Any forward-looking statements are based on the historical performance of the Company and its subsidiaries or on the Company's current plans, estimates and expectations. The inclusion of this forward-looking information should not be regarded as a representation by the Company that the future plans, estimates or expectations by the Company will be achieved. Such forward-looking statements are subject to various risks and uncertainties and assumptions relating to the Company's operations, financial results, financial condition, business prospects, growth strategy and liquidity. If one or more of these or other risks or uncertainties materialize, or if the Company's underlying assumptions prove to be incorrect, the Company's actual results may vary materially from those indicated in these statements. The Company does not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. A number of important factors could cause actual results to differ materially from those indicated by the forward-looking statements. These factors include, but are not limited to, the following, any one or more of which could materially affect the outcome of future events:

• the significant risks and uncertainties for our business, results of operations


  and financial condition, as well as our regulatory capital and liquidity ratios
  and other regulatory requirements caused by business and economic conditions
  generally and in the financial services industry in particular, whether
  nationally, regionally or in the markets in which we operate, including risks
  and uncertainties caused by the ongoing COVID-19 pandemic, potential continued
  higher inflation and interest rates, supply and labor constraints, the war in
  Ukraine and uncertainty regarding whether the United States Congress will raise
  the statutory debt limit;
• our ability to achieve organic loan and deposit growth, and the composition of

that growth;

changes (or the lack of changes) in interest rates, yield curves and interest • rate spread relationships that affect our loan and deposit pricing, including

potential continued increases in interest rates in 2023;

our ability to identify and enter into agreements to combine with attractive • acquisition candidates, finance acquisitions, complete acquisitions after

definitive agreements are entered into, and successfully integrate and grow

acquired operations;

our adoption on January 1, 2023 of ASU 2016-13, and inaccuracy of the • assumptions and estimates we make in establishing reserves for credit losses

and other estimates;

changes in the quality or composition of our loan or investment portfolios, • including adverse developments in borrower industries or in the repayment

ability of individual borrowers;

changes in the quality and composition of, and changes in unrealized losses in, • our investment portfolio, including whether we may have to sell securities

before their recovery of amortized cost basis and realize losses;

the extent of continuing client demand for the high level of personalized • service that is a key element of our banking approach as well as our ability to


  execute our strategy generally;
• cessation of the one-week and two-month U.S. dollar settings of LIBOR as of

December 31, 2021 and announced cessation of the remaining U.S. dollar LIBOR

settings after June 30, 2023, and the related effect on our LIBOR-based

financial products and contracts, including, but not limited to, hedging

products, debt obligations, investments and loans; • our dependence on our management team, and our ability to attract and retain


  qualified personnel;
• the concentration of our business within our geographic areas of operation in
  Louisiana, Texas and Alabama;
• concentration of credit exposure;
• any deterioration in asset quality and higher loan charge-offs, and the time
  and effort necessary to resolve problem assets;
• a reduction in liquidity, including as a result of a reduction in the amount of
  deposits we hold or other sources of liquidity;
• ongoing disruptions in the oil and gas industry due to the significant
  fluctuations in the price of oil and natural gas;
• data processing system failures and errors;
• cyberattacks and other security breaches; and
• hurricanes, tropical storms, tropical depressions, floods, winter storms, and
  other adverse weather events, all of which have affected the Company's market
  areas from time to time; other natural disasters; oil spills and other man-made
  disasters; acts of terrorism, an outbreak or intensifying of hostilities
  including the war in Ukraine or other international or domestic calamities,
  acts of God and other matters beyond our control.

These factors should not be construed as exhaustive. Additional information on these and other risk factors can be found in Item 1A. "Risk Factors" and Item 7. "Special Note Regarding Forward-Looking Statements" in the Company's Annual Report on Form 10-K for the year ended December 31, 2022, filed with the Securities and Exchange Commission.

Item 9.01 Financial Statements and Exhibits



(d) Exhibits


Exhibit
Number                             Description of Exhibit

 99.1       Investor Presentation
  104     The cover page of Investar Holding Corporation's Form 8-K is formatted in
          Inline XBRL

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