---
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"
generated_at: "2026-06-03T21:19:48.176848+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q1 net income falls to $3.1M from $5.3M YoY; EPS $0.42 vs $0.70

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-24-000081
- JSON: https://secwatch.observer/filing/0000842517-24-000081.json
- Plain text: https://secwatch.observer/filing/0000842517-24-000081.txt

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