{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-25-000132","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.483266+00:00","generated_at":"2026-05-18T02:56:12.166005+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 Corporation Reports Q2 2025 Net Income of $5.0M, or $0.68 per Share","bullets":["Net income for Q2 2025 was $5.0 million ($0.68 per share), up from $3.5 million ($0.46 per share) in Q2 2024.","Net interest margin (fully taxable equivalent) expanded to 3.14% from 2.82% in the prior-year quarter.","Core loans grew 9% annualized from Q1 2025, led by commercial and residential loan growth.","Total deposits increased 11% annualized from Q1 2025, including $89 million in demand deposits from a not-for-profit entity.","Provision for credit losses was a credit of $1.1 million due to $1.6 million in recoveries from a 2024 overdraft charge-off."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-25-000132","json":"https://secwatch.observer/filing/0000842517-25-000132.json","markdown":"https://secwatch.observer/filing/0000842517-25-000132.md","text":"https://secwatch.observer/filing/0000842517-25-000132.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251725000132/0000842517-25-000132-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251725000132/isba-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-18T02:56:12.166005+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"}