{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-25-000016","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2025-01-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.490918+00:00","generated_at":"2026-05-27T05:02:08.964761+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Isabella Bank Q4 net income rises to $4.0M; full year net income $13.9M vs $18.2M in 2023","bullets":["Q4 2024 net income $4.0M ($0.54 diluted EPS) vs $3.8M ($0.51) in Q4 2023; core earnings $3.9M ($0.52) vs $3.8M ($0.50).","Full year 2024 net income $13.9M ($1.86 diluted EPS) vs $18.2M ($2.40) in 2023; core earnings $15.0M ($2.01) vs $18.0M ($2.37).","Net interest margin expanded to 2.99% from 2.83% YoY; loan yield increased to 5.67% from 5.20%.","Noninterest income up 13% to $4.0M; wealth management income up 13% on higher AUM.","Tangible book value per share $21.82; AFS securities net unrealized loss $26M (5% of portfolio)."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-25-000016","json":"https://secwatch.observer/filing/0000842517-25-000016.json","markdown":"https://secwatch.observer/filing/0000842517-25-000016.md","text":"https://secwatch.observer/filing/0000842517-25-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251725000016/0000842517-25-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251725000016/isba-20250130.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T05:02:08.964761+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"}