Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 105

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 2
Chunk 105
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15 23.59 25.99 21.21 35.25 21.21 PERFORMANCE RATIOSReturn on average total assets0.94 %0.96 %0.77 %0.76 %0.62 %0.89 %0.64 %Return on average shareholders' equity9.28 %9.19 %7.48 %7.47 %6.26 %8.67 %6.47 %Return on average tangible shareholders' equity (2)11.83 %11.78 %9.65 %9.66 %8.15 %11.12 %8.48 %Net interest margin yield (FTE)3.15 %3.14 %3.06 %2.98 %2.96 %3.12 %2.87 %Efficiency ratio67.51 %70.53 %71.73 %71.08 %72.30 %69.80 %73.65 %Gross loan to deposit ratio (1)74.36 %75.57 %76.07 %81.48 %79.93 %74.36 %79.93 %Shareholders' equity to total assets (1)10.06 %10.23 %10.25 %10.08 %10.11 %10.06 %10.11 %Tangible shareholders' equity to tangible assets (1) (2)8.10 %8.17 %8.14 %7.95 %8.00 %8.10 %8.00 %FINANCIAL DATA (in millions)Total assets (1)$2,260 $2,156 $2,103 $2,086 $2,107 $2,260 $2,107 AFS securities (1)512 501 513 489 507 512 507 Gross loans (1)1,432 1,398 1,368 1,424 1,424 1,432 1,424 ACL (1)13 13 13 13 13 13 13 Deposits (1)1,926 1,849 1,798 1,747