Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 109

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 2
Chunk 109
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 deposits$236,989 606 0.34 %$238,703 542 0.30 %Money market deposits481,571 9,319 2.59 %445,604 9,437 2.83 %Savings287,425 1,642 0.76 %280,447 1,154 0.55 %Certificates of deposit394,395 11,299 3.83 %366,672 10,974 4.00 %Short-term borrowings46,008 1,106 3.21 %43,197 1,026 3.18 %FHLB advances4,945 170 4.53 %37,883 1,597 5.54 %Subordinated debt, net of unamortized issuance costs29,455 799 3.61 %29,365 799 3.63 %Total interest bearing liabilities1,480,788 24,941 2.25 %1,441,871 25,529 2.36 %NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS' EQUITYDemand deposits413,568 414,179 Other liabilities15,131 16,183 Shareholders’ equity219,272 204,221 Total liabilities and shareholders’ equity$2,128,759 $2,076,454 Net interest income (FTE)$46,357 $41,996 Net yield on interest earning assets (FTE)3.12 %2.87 %

(1) Includes loans HFS and nonaccrual loans.

(2) Average balances for AFS securities are based on amortized cost.

(3) Includes average interest-bearing deposits with other banks, net of Federal Reserve daily cash letter.

48

Loans

The following table displays loan balances as of:September 302025June 302025March 312025December 312024September 302024Annualized Growth %Quarter to DateAnnualized Growth %Year to DateCommercial and industrial$218,132 $207,719 $205,172 $200,623 $197,372 20.05 %11.64 %Commercial real estate626,642 614,383 596,282 591,718 590,255 7.98 %7.87 %Advances