{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-23-000072","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2023-04-21T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.414253+00:00","generated_at":"2026-06-16T21:57:40.410957+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Isabella Bank Q1 net income $5.3M, EPS $0.70, up 12% YoY","bullets":["Net income $5.3M, up 12.4% from Q1 2022; diluted EPS $0.70 vs $0.63.","Net interest income rose 13.9% ($1.9M) on higher rates and loan growth.","Deposits grew $69.3M (4%) from Dec 31, 2022, driven by money market and CD accounts.","Cash dividend $0.28/share, annualized yield 4.52% based on $24.80 closing price.","Bank remains well-capitalized: Tier 1 Leverage 9.25% vs 5.0% minimum."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-23-000072","json":"https://secwatch.observer/filing/0000842517-23-000072.json","markdown":"https://secwatch.observer/filing/0000842517-23-000072.md","text":"https://secwatch.observer/filing/0000842517-23-000072.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000072/0000842517-23-000072-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000072/isba-20230420.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T21:57:40.410957+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":"7cfa1be1e4c4eabf58949def87cdcb67bf75615d","claim":"ISABELLA BANK CORP reported the three months ended March 31, 2023 results: net income $5.3 million, EPS $0.70.","evidence_excerpt":"The Corporation reported net income of $5.3 million and earnings per common share of $0.70, both substantial increases from the same period in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000072/0000842517-23-000072-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended March 31, 2023"},{"label":"Net income","value":"$5.3 million"},{"label":"EPS","value":"$0.70"},{"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"}