Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 95

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 2
Chunk 95
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 “aim,” “would,” “annualized” and “outlook,” or the negative version of those words or other comparable words or phrases of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions, estimates and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements.

There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following:

•slower economic growth rates or potential recession in the United States and our market areas;

•the impacts related to or resulting from uncertainty in the banking 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