Company: ISBA
Filing Date: 2025-03-25
Form Type: DEF 14A
Source: 0000842517-25-000071
Chunk: 29

Company: ISABELLA BANK CORP
Filing Date: 2025-03-25
Form: DEF 14A
Chunk 29
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 the transaction to our regulators and the potential violations of other corporate policies.

<div align='center'>15</div>

#### Ordinary Banking Relationships
Certain directors and officers and members of their families were loan customers of the Bank, or have been directors or officers of corporations, members or managers of limited liability companies, or partners of partnerships which have had transactions with the Bank. In our opinion, all such transactions were made in the ordinary course of business and were substantially on the same terms, including collateral and interest rates, as those prevailing at the same time for comparable transactions with customers not related to the Bank. These transactions do not involve more than normal risk of collectability or present other unfavorable features. Total loans to these customers were approximately $2,951,000 and $19,527,000 as of December 31, 2024 and 2023.

As of the date of this proxy statement, no related party loans were categorized as nonaccrual, past due, restructured or potential problem loans. We expect to continue to enter into transactions in the ordinary course of business on similar terms with our officers, directors and principal shareholders, as well as their immediate family members and affiliates.

<div align='center'>Security Ownership of Certain Beneficial Owners and Management</div>

The following table sets forth certain information as of March 14, 2025 as to our common stock owned beneficially by persons known by us to be beneficial owners of more than 5% of our common stock.

| Name and Address of Beneficial Owner |     | Number of Shares Beneficially Owned |         |     |    |     | Percent of Class |      |   |
| Richard L. McGuirk                   |     |                                     | 383,283 |     | -1 |     |                  | 5.17 | % |
| P.O. Box 222                         |     |                                     |         |     |    |     |                  |      |   |
| Mt. Pleasant, MI 48804               |     |                                     |         |     |    |     |                  |      |   |

(1) Includes 365,196 shares held by McGuirk Investments LLC which Mr. McGuirk has sole investment power over.

The following table sets forth certain information as of March 14, 2025 as to our common stock owned beneficially by: (1) each director and director nominee, (2) by each NEO, and (3) by all directors and executive officers as a group.

| Name of Owner                                                |