{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-26-000027","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2026-02-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.809994+00:00","generated_at":"2026-05-16T04:42:46.359872+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Isabella Bank reports Q4 2025 EPS of $0.64, full-year EPS $2.56; net income rises 36% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-26-000027","json":"https://secwatch.observer/filing/0000842517-26-000027.json","markdown":"https://secwatch.observer/filing/0000842517-26-000027.md","text":"https://secwatch.observer/filing/0000842517-26-000027.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251726000027/0000842517-26-000027-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251726000027/isba-20260205.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T04:42:46.359872+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"}