Company: ISBA
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0000842517-25-000135
Chunk: 69

Company: ISABELLA BANK CORP
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 1
Chunk 69
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 statements are not guarantees of future performance and are subject to risks, assumptions, estimates and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements.

There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following:

•potential recession in the United States and our market areas;

•the impacts related to or resulting from uncertainty in the banking industry as a whole;

•increased competition for deposits and related changes in deposit customer behavior;

•the lingering inflationary pressures, and the risk of the resurgence of elevated levels of inflation, in the United States and our market areas, and its impact on market interest rates, the economy and credit quality;

•our ability to effectively execute our expansion strategy and manage our growth, including identifying and consummating suitable acquisitions;

•business and economic conditions, particularly those affecting our market areas, as well as the concentration of our business in such market areas;

•adverse changes in customer spending and savings habits;

•the impact of pandemics, epidemics, or any other health-related crisis;

•high concentrations of loans secured by real estate located in our market areas;

•changes in unemployment rates in the United States and our market areas;

•risks associated with our commercial loan portfolio, including the risk for deterioration in value of the general business assets that secure such loans;

•potential changes in the prices, values and sales volumes of commercial and residential real estate securing our real estate loans;

•risks associated with our agricultural loan portfolio, including the heightened sensitivity to weather conditions, commodity prices, and other factors generally outside the borrowers and our control;

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•risks related to the significant amount of credit that we have extended to a limited number of borrowers and in a limited geographic area;

•public funds deposits comprising a relatively high percentage of our deposits;

•potential impairment on the goodwill we have recorded or may record in connection with business acquisitions;

•our ability to maintain our reputation;

•our ability to successfully manage our credit risk and the sufficiency of our allowance for credit losses;

•our ability to attract, hire and retain qualified management personnel;

•our dependence on our management team, including our ability to retain executive officers and key employees and their customer and community relationships;

•interest rate fluctuations, which could have an adverse effect on our profitability