{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-24-000026","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2024-02-16T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.039507+00:00","generated_at":"2026-06-06T00:33:06.002761+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Isabella Bank Q4 net income $3.8M; FY 2023 net income $18.2M down from $22.2M","bullets":["Net income Q4 $3.8M ($0.51 EPS), full year $18.2M ($2.42 EPS), down from $22.2M in 2022.","Gross loans grew $85M (+7%) to $1.35B; wealth assets up 25% to $641M.","Net interest income down $2.5M (-4.2%) for the year; net yield 3.05% vs 3.18%.","Deposits declined $20.6M (-1.2%) to $1.72B; borrowings increased to fund loan growth.","Dividend increased 2.75% to $1.12 per share annual; yield 5.21%."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-24-000026","json":"https://secwatch.observer/filing/0000842517-24-000026.json","markdown":"https://secwatch.observer/filing/0000842517-24-000026.md","text":"https://secwatch.observer/filing/0000842517-24-000026.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251724000026/0000842517-24-000026-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251724000026/isba-20240216.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T00:33:06.002761+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":"d64abfa125c4ec8bbf4afb7e2e7d569276c3eb1e","claim":"ISABELLA BANK CORP reported financial results for the quarter and year ended December 31, 2023.","evidence_excerpt":"On February 16, 2024 , Isabella Bank Corporation issued a press release announcing its results of operations for the quarter and year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/842517/000084251724000026/0000842517-24-000026-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2023"},{"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"}