{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-23-000183","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2023-10-19T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.136339+00:00","generated_at":"2026-06-09T21:25:24.072613+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Isabella Bank Q3 net income $4.4M, down 25% YoY; core loans grow $14.6M","bullets":["Net income $4.4M ($0.59 EPS) vs $5.9M ($0.78) Q3 2022; 9-month net income $14.4M vs $15.9M.","Net interest income down $1.5M YoY; net yield 3.02% vs 3.28% on rising deposit costs.","Core loans +$14.6M QoQ; deposits +$54.5M (+3.2%) in quarter despite strong pricing competition.","Wealth management fees up 26.4% YoY; cash dividend $0.28/share (annualized yield 5.32%).","Bank well-capitalized (Tier 1 Leverage 8.97%); opened new loan/wealth office in Bay City."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-23-000183","json":"https://secwatch.observer/filing/0000842517-23-000183.json","markdown":"https://secwatch.observer/filing/0000842517-23-000183.md","text":"https://secwatch.observer/filing/0000842517-23-000183.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000183/0000842517-23-000183-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000183/isba-20231019.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T21:25:24.072613+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":"717c918031211fdb2370ebd8298f537def09007f","claim":"ISABELLA BANK CORP reported three and nine months ended September 30, 2023 results: net income $4.4 million, EPS $0.59.","evidence_excerpt":"On October 19, 2023 , Isabella Bank Corporation issued a press release announcing its results of operations for the three and nine months ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/842517/000084251723000183/0000842517-23-000183-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and nine months ended September 30, 2023"},{"label":"Net income","value":"$4.4 million"},{"label":"EPS","value":"$0.59"},{"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"}