---
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"
generated_at: "2026-06-13T05:59:45.227286+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank reports Q2 net income $4.6M; EPS $0.62; loan growth 5%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/842517/000084251723000141/0000842517-23-000141-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/842517/000084251723000141/isba-20230720.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-23-000141
- JSON: https://secwatch.observer/filing/0000842517-23-000141.json
- Plain text: https://secwatch.observer/filing/0000842517-23-000141.txt

## Key facts
- Earnings Releases
  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.
  - Period: the second quarter of 2023 and the six-month period ended June 30, 2023
  - 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
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/842517/000084251723000141/0000842517-23-000141-index.htm

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