earnings
confidence high
sentiment positive
materiality 0.70
Isabella Bank Q1 net income $3.9M ($0.53 EPS); NIM expands to 3.06%
ISABELLA BANK CORP
2025-Q1 EPS reported
$0.53
- Net income $3.9M vs $3.1M in Q1 2024; diluted EPS $0.53 vs $0.42.
- Core earnings $4.3M ($0.57 diluted EPS); net interest margin 3.06% vs 2.79%.
- Commercial & industrial loans up 7% annualized; non-maturity deposits up 14% annualized.
- Net loan recoveries of 0.02% annualized; nonaccrual loans down to $173K.
- BOLI restructuring: $10.6M into separate account yielding 5.4% vs 2.9%.