{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-24-000081","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2024-04-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.122080+00:00","generated_at":"2026-06-03T21:19:48.176848+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Isabella Bank Q1 net income falls to $3.1M from $5.3M YoY; EPS $0.42 vs $0.70","bullets":["Net income of $3.1M ($0.42 diluted EPS) vs $5.3M ($0.70) in Q1 2023; net interest margin compressed to 2.78% from 3.22%.","Total loans grew $16M to $1.37B; commercial loans up $18.3M, led by construction and real estate sectors.","Deposits increased $44.6M to $1.77B; wealth management AUM rose $89.2M to $660.6M.","Nonperforming loans remained low at 0.09% of total loans; allowance for credit losses $13.4M.","Quarterly cash dividend maintained at $0.28 per share."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-24-000081","json":"https://secwatch.observer/filing/0000842517-24-000081.json","markdown":"https://secwatch.observer/filing/0000842517-24-000081.md","text":"https://secwatch.observer/filing/0000842517-24-000081.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251724000081/0000842517-24-000081-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251724000081/isba-20240418.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T21:19:48.176848+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}