Company: ISBA
Filing Date: 2025-11-10
Form Type: 10-Q
Source: 0000842517-25-000210
Chunk: 108

Company: ISABELLA BANK CORP
Filing Date: 2025-11-10
Form: 10-Q
Item: Part I, Item 2
Chunk 108
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.61 %29,455 266 3.61 %29,388 267 3.62 %Total interest bearing liabilities1,539,632 8,720 2.25 %1,449,725 8,113 2.24 %1,452,125 8,853 2.42 %NONINTEREST BEARING LIABILITIES AND SHAREHOLDERS' EQUITYDemand deposits428,144 409,262 418,973 Other liabilities14,976 14,158 15,658 Shareholders’ equity223,970 219,542 208,444 Total liabilities and shareholders’ equity$2,206,722 $2,092,687 $2,095,200 Net interest income (FTE)$16,340 $15,307 $14,720 Net yield on interest earning assets (FTE)3.15 %3.14 %2.96 %

47

Nine Months EndedSeptember 30, 2025September 30, 2024Average BalanceTax Equivalent InterestAverage Yield/RateAverage BalanceTax Equivalent InterestAverage Yield/RateINTEREST EARNING ASSETSLoans (1)$1,389,936 $59,763 5.75 %$1,376,122 $57,150 5.55 %AFS securities (2)522,049 9,210 2.34 %546,376 9,153 2.23 %FHLB stock7,384 355 6.41 %12,762 472 4.93 %Fed funds sold66 2 4.35 %6 — 5.35 %Other (3)63,959 1,968 3.92 %17,941 750 5.49 %Total interest earning assets1,983,394 71,298 4.80 %1,953,207 67,525 4.62 %NONEARNING ASSETSAllowance for credit losses(13,104)(13,216)Cash and demand deposits due from banks23,844 24,623 Premises and equipment28,195 27,962 Other assets106,430 83,878 Total assets$2,128,759 $2,076,454 INTEREST BEARING LIABILITIESInterest bearing demand