---
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"
generated_at: "2026-05-23T12:43:32.364365+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q1 net income $3.9M ($0.53 EPS); NIM expands to 3.06%

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-25-000085
- JSON: https://secwatch.observer/filing/0000842517-25-000085.json
- Plain text: https://secwatch.observer/filing/0000842517-25-000085.txt

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