---
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"
generated_at: "2026-05-16T04:42:46.359872+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-26-000027
- JSON: https://secwatch.observer/filing/0000842517-26-000027.json
- Plain text: https://secwatch.observer/filing/0000842517-26-000027.txt

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