Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 84

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 1
Chunk 84
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5December 31, 2024BalancePercent of TotalBalancePercent of TotalResidential1-4 family investor$91,307 14.57 %$86,736 14.66 %Multifamily71,148 11.35 %61,033 10.31 %Real estate171,139 27.31 %158,739 26.83 %Hotels85,935 13.71 %83,756 14.15 %Health care55,397 8.84 %50,083 8.46 %Retail trade33,139 5.29 %35,063 5.93 %Manufacturing19,129 3.05 %17,030 2.88 %Accommodation services15,781 2.52 %16,804 2.84 %Construction14,259 2.28 %12,825 2.17 %Educational services10,727 1.71 %11,160 1.89 %Wholesale trade11,262 1.80 %11,073 1.87 %Other47,419 7.57 %47,416 8.01 %Total commercial real estate$626,642 100.00 %$591,718 100.00 %

Commercial real estate loans are subject to a varying degree of risk from changes in interest rates and economic conditions. To control these risks, we maintain strict underwriting standards, lending limits to a single borrower, loan to collateral value limits, and a defined market area. We also monitor and limit loan concentrations to specific industries.  Our practices also include appropriate loan reviews, and monitoring of past due levels, concentrations, industry trends, and other qualitative factors.

Deposits

The following table displays deposit balances as of:September 302025June 302025March 312025December 312024September 302024Annualized Growth %Quarter to DateAnnualized Growth %Year to DateNoninterest bearing demand deposits$421,027 $493,477 $404,194 $416,373 $421,493 (58.73)%1.49 %Interest bearing demand deposits248,666 223,376 243,939 237,548 228,902 45.29 %6.24 %Money market deposits558,212 446,845 473