{"schema_version":"secwatch.filing_event.v1","accession":"0000842517-26-000095","form_type":"8-K","ticker":"ISBA","cik":"0000842517","company_name":"ISABELLA BANK CORP","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.811534+00:00","generated_at":"2026-05-15T04:44:51.158254+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 Q1 net income $5.0M ($0.68 EPS) vs $3.9M ($0.53) YoY; NIM expands to 3.33%","bullets":["Net income rose 26% to $5.0M; diluted EPS $0.68 vs $0.53 in Q1 2025.","Net interest margin improved to 3.33% from 3.06% a year ago on higher loan yields and lower deposit costs.","Adjusted loans (ex-mortgage broker advances) grew $27.2M; total deposits up $40.2M from year-end 2025.","Nonperforming loans remained low at 0.28% of total loans; ACL increased $287K on loan growth."],"urls":{"canonical":"https://secwatch.observer/filing/0000842517-26-000095","json":"https://secwatch.observer/filing/0000842517-26-000095.json","markdown":"https://secwatch.observer/filing/0000842517-26-000095.md","text":"https://secwatch.observer/filing/0000842517-26-000095.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/842517/000084251726000095/0000842517-26-000095-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/842517/000084251726000095/isba-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:44:51.158254+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":[{"claim_id":"6438a9f22447a48c46dcdd5612cc56550c673d38","claim":"ISABELLA BANK CORP reported first quarter 2026 results: net income $5.0 million, EPS $0.68 per diluted share.","evidence_excerpt":"Net income in first quarter 2026 was $5.0 million, or $0.68 per diluted share, compared with $3.9 million, or $0.53 per diluted share, in first quarter 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/842517/000084251726000095/0000842517-26-000095-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter 2026"},{"label":"Net income","value":"$5.0 million"},{"label":"EPS","value":"$0.68 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}