---
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"
generated_at: "2026-06-16T21:57:40.410957+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q1 net income $5.3M, EPS $0.70, up 12% YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-23-000072
- JSON: https://secwatch.observer/filing/0000842517-23-000072.json
- Plain text: https://secwatch.observer/filing/0000842517-23-000072.txt

## Key facts
- Earnings Releases
  ISABELLA BANK CORP reported the three months ended March 31, 2023 results: net income $5.3 million, EPS $0.70.
  - Period: the three months ended March 31, 2023
  - Net income: $5.3 million
  - EPS: $0.70
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/842517/000084251723000072/0000842517-23-000072-index.htm

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