---
schema_version: "secwatch.filing_event.v1"
accession: "0000842517-26-000176"
form_type: "8-K"
ticker: "ISBA"
cik: "0000842517"
company_name: "ISABELLA BANK CORP"
filed_at: "2026-07-23T20:19:16+00:00"
generated_at: "2026-07-23T20:20:19.134317+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Isabella Bank Q2 net income flat at $5.0M; NIM expands to 3.54%; announces Grand River Bank acquisition

## Summary
- Net income $5.0M ($0.69 diluted EPS) vs $5.0M ($0.68) in Q2 2025; six-month net income up to $10.0M from $9.0M.
- Net interest margin improved to 3.54% from 3.14% YoY; loan yield 5.86% vs 5.71%.
- Loans grew $30.7M in Q2; total loans $1.6B; commercial real estate up $33.5M, residential up $22.1M.
- Signed merger agreement to acquire Grand River Commerce/Grand River Bank, entering Grand Rapids market.
- Raised $11.7M via at-the-market stock offering (303,371 shares); added to Russell 2000 Index.

## SEC filing metadata
- accession: 0000842517-26-000176
- form_type: 8-K
- ticker: ISBA
- cik: 0000842517
- company_name: ISABELLA BANK CORP
- filed_at: 2026-07-23T20:19:16+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/842517/000084251726000176/0000842517-26-000176-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/842517/000084251726000176/isba-20260723.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000842517-26-000176
- JSON: https://secwatch.observer/filing/0000842517-26-000176.json
- Plain text: https://secwatch.observer/filing/0000842517-26-000176.txt

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