Company: ISBA
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0000842517-25-000135
Chunk: 111

Company: ISABELLA BANK CORP
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 2
Chunk 111
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.29 %8.70 %6.96 %7.76 %3.24 %Return on average tangible shareholders' equity (1)11.78 %9.65 %9.66 %8.15 %9.19 %10.74 %8.65 %Adjusted return on average tangible shareholders' equity (1)9.59 %10.40 %9.43 %11.32 %9.17 %9.99 %4.26 %Net interest margin yield (FTE) (1)3.14 %3.06 %2.98 %2.96 %2.82 %3.10 %2.81 %Efficiency ratio (1)70.53 %71.73 %71.08 %72.30 %73.93 %71.12 %74.37 %Gross loan to deposit ratio (2)75.57 %76.07 %81.48 %79.93 %80.22 %75.57 %80.22 %Shareholders' equity to total assets (2)10.23 %10.25 %10.08 %10.11 %9.82 %10.23 %9.82 %Tangible shareholders' equity to tangible assets (1) (2)8.17 %8.14 %7.95 %8.00 %7.65 %8.17 %7.65 %FINANCIAL DATA (in millions)Total assets (2)$2,156 $2,103 $2,086 $2,107 $2,060 $2,156 $2,060 AFS securities (2)501 513 489 507 506 501 506 Gross loans (2)1,398 1,368 1,424 1,424 1,382 1,398 1,382 ACL (2)13 13 13 13 13 13 13 Deposits (2)1,849 1,798 1,747 1,782 1,722 1,849 1,722 Borrowed funds (2)73 77 113 97 119 73