---
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"
generated_at: "2026-06-19T21:12:24.000685+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank reports record net income of $22.2M in 2022; EPS up 19% to $2.95

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-23-000022
- JSON: https://secwatch.observer/filing/0000842517-23-000022.json
- Plain text: https://secwatch.observer/filing/0000842517-23-000022.txt

## Key facts
- Earnings Releases
  ISABELLA BANK CORP reported financial results for the quarter and year ended December 31, 2022.
  - Period: the quarter and year ended December 31, 2022
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/842517/000084251723000022/0000842517-23-000022-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.