{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-25-000207","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.341389+00:00","generated_at":"2026-05-17T02:17:29.797931+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Isabella Bank Q3 2025 net income $5.2M, EPS $0.71; NIM reaches 3.15%","bullets":["Net income $5.2M ($0.71 diluted EPS) vs $3.3M ($0.44) in Q3 2024.","Net interest margin expanded to 3.15% from 2.96% YoY; net interest income $16.2M.","Core loans grew $32M (+2%) and total deposits increased $76M (+4%) during Q3.","Nonperforming loans low at 0.24% of total loans; ACL $13.1M.","Tangible book value per share improved to $24.37 from $21.82 at Dec 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-25-000207","json":"https://secwatch.observer/filing/0000842517-25-000207.json","markdown":"https://secwatch.observer/filing/0000842517-25-000207.md","text":"https://secwatch.observer/filing/0000842517-25-000207.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251725000207/0000842517-25-000207-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251725000207/isba-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:17:29.797931+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"}