Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 85

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 1
Chunk 85
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,138 423,883 471,745 99.69 %42.25 %Savings292,899 289,746 286,399 281,665 276,095 4.35 %5.32 %Certificates of deposit404,798 395,932 390,239 387,591 383,597 8.96 %5.92 %Total$1,925,602 $1,849,376 $1,797,909 $1,747,060 $1,781,832 16.49 %13.63 %

49

Asset Quality Analysis

The following table outlines our asset quality analysis as of, and for the three-month periods ended:

September 302025June 302025March 312025December 312024September 302024NONPERFORMING ASSETSCommercial and industrial$16 $17 $— $— $120 Commercial real estate3,000 533 — — — Agricultural— — — — — Residential real estate427 614 173 282 427 Consumer— — — — — Total nonaccrual loans3,443 1,164 173 282 547 Accruing loans past due 90 days or more18 31 26 19 64 Total nonperforming loans3,461 1,195 199 301 611 Foreclosed assets1,018 667 649 544 546 Debt securities— — — — 12 Total nonperforming assets$4,479 $1,862 $848 $845 $1,169 Nonperforming loans to gross loans0.24 %0.09 %0.01 %0.02 %0.04 %Nonperforming assets to total assets0.20 %0.09 %0.04 %0.04 %0.06 %Nonaccrual loans to gross loans 0.24 %0.08 %0.01 %0.02 %0.04 %ACL as a % of nonaccrual loans381.91 %N/MN/MN/MN/MALLOWANCE FOR CREDIT LOSSESAllowance at beginning of period$12,977 $12,735 $