---
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"
generated_at: "2026-05-30T10:47:34.898208+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q3 net income $3.3M ($0.44) down from $4.4M; core EPS $0.61

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-24-000192
- JSON: https://secwatch.observer/filing/0000842517-24-000192.json
- Plain text: https://secwatch.observer/filing/0000842517-24-000192.txt

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