---
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"
generated_at: "2026-06-09T21:25:24.072613+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q3 net income $4.4M, down 25% YoY; core loans grow $14.6M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/842517/000084251723000183/0000842517-23-000183-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/842517/000084251723000183/isba-20231019.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-23-000183
- JSON: https://secwatch.observer/filing/0000842517-23-000183.json
- Plain text: https://secwatch.observer/filing/0000842517-23-000183.txt

## Key facts
- Earnings Releases
  ISABELLA BANK CORP reported three and nine months ended September 30, 2023 results: net income $4.4 million, EPS $0.59.
  - Period: three and nine months ended September 30, 2023
  - Net income: $4.4 million
  - EPS: $0.59
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/842517/000084251723000183/0000842517-23-000183-index.htm

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