Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 69

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 1
Chunk 69
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 industry as a whole;

•increased competition for deposits among traditional and nontraditional financial services companies, and related changes in deposit customer behavior;

•the lingering inflationary pressures, and the risk of the resurgence of elevated levels of inflation, in the United States and our market areas, and its impact on market interest rates, the economy and credit quality;

•our ability to effectively execute our expansion strategy and manage our growth, including identifying and consummating suitable acquisitions;

•business and economic conditions, particularly those affecting our market areas, as well as the concentration of our business in such market areas;

•adverse changes in customer spending, borrowing, and savings habits;

•the impact of pandemics, epidemics, or any other health-related crisis;

•high concentrations of loans secured by real estate located in our market areas;

•changes in unemployment rates in the United States and our market areas;

•risks associated with our commercial loan portfolio, including the risk for deterioration in value of the general business assets that secure such loans;

•potential changes in the prices, values and sales volumes of commercial and residential real estate securing our real estate loans;

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•risks associated with our agricultural loan portfolio, including the heightened sensitivity to weather conditions, commodity prices, and other factors generally outside the borrowers and our control;

•risks related to the significant amount of credit that we have extended to a limited number of borrowers and in a limited geographic area;

•public funds deposits comprising a relatively high percentage of our deposits;

•potential impairment on the goodwill we have recorded or may record in connection with business acquisitions;

•our ability to maintain our reputation;

•our ability to successfully manage our credit risk and the sufficiency of our allowance for credit losses;

•our ability to attract, hire and retain qualified management personnel;

•our dependence on our management team, including our ability to retain executive officers and key employees and their customer and community relationships;

•interest rate fluctuations, which could have an adverse effect on our profitability;

•competition from banks, credit unions and other financial services providers; 

•our ability to keep pace with technological change or difficulties we may experience when implementing new technologies;

•cybersecurity risk, including cyber incidents or other failures, disruptions or breaches of our operational or security systems or infrastructure, or those of our third-party vendors or other service providers, including as a result of a cyber-attack, could impact the Corporation’s reputation, increase regulatory oversight, and impact the financial results of the Corporation;

•our ability to maintain effective internal control over financial