Company: ISBA
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0000842517-25-000135
Chunk: 80

Company: ISABELLA BANK CORP
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 1
Chunk 80
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%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 73 119 Shareholders' equity (2)221 216 210 213 202 221 202 Wealth assets under management (2)679 657 658 680 648 679 648 Net income5 4 4 3 3 9 7 Interest income23 23 23 23 22 46 43 Interest expense8 8 9 9 9 16 17 Net interest income15 15