{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-25-000085","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2025-04-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.447027+00:00","generated_at":"2026-05-23T12:43:32.364365+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Isabella Bank Q1 net income $3.9M ($0.53 EPS); NIM expands to 3.06%","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-25-000085","json":"https://secwatch.observer/filing/0000842517-25-000085.json","markdown":"https://secwatch.observer/filing/0000842517-25-000085.md","text":"https://secwatch.observer/filing/0000842517-25-000085.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251725000085/0000842517-25-000085-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251725000085/isba-20250417.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T12:43:32.364365+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"}