{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-23-000022","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2023-02-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.235708+00:00","generated_at":"2026-06-19T21:12:24.000685+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Isabella Bank reports record net income of $22.2M in 2022; EPS up 19% to $2.95","bullets":["Q4 net income $6.3M (EPS $0.84) vs $4.8M ($0.63) in Q4 2021; full-year net income $22.2M, up 14%.","Net interest income for 2022 rose 14.8% to $60.5M, driven by higher rates and reduced borrowing costs.","Nonperforming loans fell to 0.04% of total loans ($457K) vs 0.10% at year-end 2021.","Quarterly dividend increased 3.7% to $0.28 per share; annualized yield of 4.77% at $23.50 stock price.","Total deposits grew 2% to $1.74B; Bank remains well capitalized with Tier 1 Leverage Ratio of 9.36%."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-23-000022","json":"https://secwatch.observer/filing/0000842517-23-000022.json","markdown":"https://secwatch.observer/filing/0000842517-23-000022.md","text":"https://secwatch.observer/filing/0000842517-23-000022.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000022/0000842517-23-000022-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000022/isba-20230209.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T21:12:24.000685+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"b2e46de2135ffc7a867efb1b573637c83574108a","claim":"ISABELLA BANK CORP reported financial results for the quarter and year ended December 31, 2022.","evidence_excerpt":"On February 9, 2023 , Isabella Bank Corporation issued a press release announcing its results of for the quarter and year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000022/0000842517-23-000022-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}