---
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"
generated_at: "2026-05-27T05:02:08.964761+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q4 net income rises to $4.0M; full year net income $13.9M vs $18.2M in 2023

## Summary
- 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).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-25-000016
- JSON: https://secwatch.observer/filing/0000842517-25-000016.json
- Plain text: https://secwatch.observer/filing/0000842517-25-000016.txt

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