{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-23-000141","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2023-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.772610+00:00","generated_at":"2026-06-13T05:59:45.227286+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Isabella Bank reports Q2 net income $4.6M; EPS $0.62; loan growth 5%","bullets":["Net income $4.6M ($0.62 EPS) in Q2 2023, down from $5.3M ($0.71) in Q2 2022.","Gross loans grew $64M (5%) during Q2 to $1.3B; nonperforming loans were 0.28%.","Net interest income fell $248k in Q2 YoY but rose $1.6M in the first six months.","Deposits decreased $29.3M (1.7%) from Dec 2022 due to competitive pricing pressures.","Q2 dividend $0.28/share; annualized yield 5.46%; capital ratios well above well-capitalized minimums."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-23-000141","json":"https://secwatch.observer/filing/0000842517-23-000141.json","markdown":"https://secwatch.observer/filing/0000842517-23-000141.md","text":"https://secwatch.observer/filing/0000842517-23-000141.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000141/0000842517-23-000141-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000141/isba-20230720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T05:59:45.227286+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":"6b97dade1b550238d210387404481e110833b64f","claim":"ISABELLA BANK CORP reported the second quarter of 2023 and the six-month period ended June 30, 2023 results: net income $4.6 million for the second quarter of 2023 and $10 million for the six-month period ended June 30, 2023, EPS $0.62 for the second quarter of 2023 and $1.32 for the first half of the year.","evidence_excerpt":"Isabella Bank Corporation (the “Corporation”) (OTCQX: ISBA) has reported net income of $4.6 million for the second quarter of 2023 and $10 million for the six-month period ended June 30, 2023. Earnings per common share were $0.62 for the second quarter of 2023 and $1.32 for the first half of the year.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000141/0000842517-23-000141-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023 and the six-month period ended June 30, 2023"},{"label":"Net income","value":"$4.6 million for the second quarter of 2023 and $10 million for the six-month period ended June 30, 2023"},{"label":"EPS","value":"$0.62 for the second quarter of 2023 and $1.32 for the first half of the year"},{"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"}