Company: ISBA
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0000842517-25-000135
Chunk: 116

Company: ISABELLA BANK CORP
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 2
Chunk 116
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,187 39,300 (1.33)%(190.47)%Agricultural96,842 94,359 99,694 96,794 94,996 10.53 %(5.72)%Total commercial loans921,949 898,828 955,115 960,608 919,546 10.29 %(6.94)%Residential real estate398,668 387,348 380,872 369,846 365,188 11.69 %9.34 %Consumer76,896 81,548 87,584 93,829 96,902 (22.82)%(24.41)%Total$1,397,513 $1,367,724 $1,423,571 $1,424,283 $1,381,636 8.71 %(3.66)%

The following table presents the composition of our commercial real estate portfolio by industry as of:June 30, 2025December 31, 2024BalancePercent of TotalBalancePercent of TotalReal estate1-4 family investor$88,388 14.39 %$86,736 14.66 %Multifamily65,132 10.60 %61,033 10.31 %All other173,924 28.31 %158,739 26.83 %Hotels85,401 13.90 %83,756 14.15 %Health care49,168 8.00 %50,083 8.46 %Retail trade32,364 5.27 %35,063 5.93 %Manufacturing18,684 3.04 %17,030 2.88 %Accommodation services17,262 2.81 %16,804 2.84 %Construction14,961 2.44 %12,825 2.17 %Educational services10,872 1.77 %11,160 1.89 %Wholesale trade10,676 1.74 %11,073 1.87 %Other47,551 7.73 %47,416 8.01 %Total commercial real estate$614,383 100.00 %$591,718 100.00 %

Commercial real estate loans are subject to