---
schema_version: "secwatch.filing_event.v1"
accession: "0000842517-24-000131"
form_type: "8-K"
ticker: "ISBA"
cik: "0000842517"
company_name: "ISABELLA BANK CORP"
filed_at: "2024-07-26T23:59:59+00:00"
generated_at: "2026-05-31T16:05:54.550502+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q2 net income falls to $3.5M ($0.46 EPS) from $4.6M a year ago

## Summary
- Net income $3.5M vs $4.6M; diluted EPS $0.46 vs $0.61 in Q2 2023.
- Total loans grew 5% annualized; net interest margin 2.83%, up 5 bp from Q1 but down YoY.
- Deposits fell $46M to $1.72B; funding gap filled with short-term FHLB advances.
- Nonperforming loans ratio low at 0.07%; credit quality remains strong.
- Tangible book value per share $20.60, up from $20.35 at March 31, 2024.

## SEC filing metadata
- accession: 0000842517-24-000131
- form_type: 8-K
- ticker: ISBA
- cik: 0000842517
- company_name: ISABELLA BANK CORP
- filed_at: 2024-07-26T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/842517/000084251724000131/0000842517-24-000131-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/842517/000084251724000131/isba-20240725.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-24-000131
- JSON: https://secwatch.observer/filing/0000842517-24-000131.json
- Plain text: https://secwatch.observer/filing/0000842517-24-000131.txt

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