Isabella Bank reports Q4 2025 EPS of $0.64, full-year EPS $2.56; net income rises 36% YoY

ISABELLA BANK CORP

2025-FY EPS reported $2.56

Q4 net income $4.7M ($0.64 diluted EPS) vs $4.0M ($0.54) in Q4 2024; full-year net income $18.9M ($2.56) vs $13.9M ($1.86).
Net interest margin improved to 3.16% in 2025 from 2.90% in 2024; loan yield 5.75% vs 5.58%.
Loans, excluding mortgage broker advances, grew $99M (7%) to $1.5B; total deposits up $73M (4%) to $1.8B.
Credit quality remains strong: nonperforming loans 0.30% of total loans; ACL $13.7M.
Tangible book value per share rose to $25.01 from $21.82; share repurchases of 156,957 shares at avg $30.

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