Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 60

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 1
Chunk 60
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/ATier 1 capital to average assetsIsabella Bank187,258 8.63 %86,788 4.00 %108,486 5.00 %Consolidated189,547 8.71 %87,019 4.00 %N/AN/ADecember 31, 2024ActualMinimum CapitalRequired Plus Capital Conservation BufferMinimum CapitalRequired To Be ConsideredWell Capitalized (1)AmountRatioAmountRatioAmountRatioCommon equity Tier 1 capital to risk weighted assetsIsabella Bank$172,589 11.53 %$104,783 7.00 %$97,299 6.50 %Consolidated183,348 12.21 %105,136 7.00 %N/AN/ATier 1 capital to risk weighted assetsIsabella Bank172,589 11.53 %127,237 8.50 %119,753 8.00 %Consolidated183,348 12.21 %127,665 8.50 %N/AN/ATotal capital to risk weighted assetsIsabella Bank185,997 12.43 %157,175 10.50 %149,691 10.00 %Consolidated226,179 15.06 %157,703 10.50 %N/AN/ATier 1 capital to average assetsIsabella Bank172,589 8.36 %82,602 4.00 %103,252 5.00 %Consolidated183,348 8.86 %82,803 4.00 %N/AN/A(1) "Well-capitalized" minimum common equity Tier 1 to risk-weighted and leverage ratio are not formally defined under applicable regulations for bank holding companies.Total capital includes Tier 1 capital and Tier 2 capital. Tier 2 capital includes a permissible portion of the allowances for credit losses and subordinated debt, net of unamortized issuance costs. There are no significant regulatory constraints placed on our capital. At September 30, 2025, the Bank exceeded all minimum Basel III risk-based capital requirements with the capital conservation buffer.

34

State banking regulations place certain restrictions on dividends paid by banks to their shareholders. Dividends paid by the Corporation’s bank subsidiary would be prohibited if the effect thereof would cause the bank subsidiary’s capital to be reduced below