{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-24-000192","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2024-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.139067+00:00","generated_at":"2026-05-30T10:47:34.898208+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Isabella Bank Q3 net income $3.3M ($0.44) down from $4.4M; core EPS $0.61","bullets":["GAAP net income $3.3M vs $4.4M in Q3 2023; diluted EPS $0.44 vs $0.58.","Core earnings (non-GAAP) $4.6M, $0.61 diluted share, up 5% YoY.","Results include $1.6M charge for overdrawn deposit accounts from a single customer.","Loan growth 12% annualized; deposits +14% annualized; NIM 2.98%.","Tangible book value per share rose to $22.14 from $20.60 at June 30, 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-24-000192","json":"https://secwatch.observer/filing/0000842517-24-000192.json","markdown":"https://secwatch.observer/filing/0000842517-24-000192.md","text":"https://secwatch.observer/filing/0000842517-24-000192.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251724000192/0000842517-24-000192-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251724000192/isba-20241024.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T10:47:34.898208+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"}