---
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"
generated_at: "2026-05-15T04:44:51.158254+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q1 net income $5.0M ($0.68 EPS) vs $3.9M ($0.53) YoY; NIM expands to 3.33%

## Summary
- 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.

## SEC filing metadata
- 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
- 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/842517/000084251726000095/0000842517-26-000095-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/842517/000084251726000095/isba-20260423.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-26-000095
- JSON: https://secwatch.observer/filing/0000842517-26-000095.json
- Plain text: https://secwatch.observer/filing/0000842517-26-000095.txt

## Key facts
- Earnings Releases
  ISABELLA BANK CORP reported first quarter 2026 results: net income $5.0 million, EPS $0.68 per diluted share.
  - Period: first quarter 2026
  - Net income: $5.0 million
  - EPS: $0.68 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/842517/000084251726000095/0000842517-26-000095-index.htm

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