---
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"
generated_at: "2026-05-17T02:17:29.797931+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q3 2025 net income $5.2M, EPS $0.71; NIM reaches 3.15%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-25-000207
- JSON: https://secwatch.observer/filing/0000842517-25-000207.json
- Plain text: https://secwatch.observer/filing/0000842517-25-000207.txt

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