Company: ISBA
Filing Date: 2025-08-11
Form Type: 10-Q
Source: 0000842517-25-000135
Chunk: 85

Company: ISABELLA BANK CORP
Filing Date: 2025-08-11
Form: 10-Q
Item: Part I, Item 1
Chunk 85
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846 365,188 11.69 %9.34 %Consumer76,896 81,548 87,584 93,829 96,902 (22.82)%(24.41)%Total$1,397,513 $1,367,724 $1,423,571 $1,424,283 $1,381,636 8.71 %(3.66)%

The following table presents the composition of our commercial real estate portfolio by industry as of:June 30, 2025December 31, 2024BalancePercent of TotalBalancePercent of TotalReal estate1-4 family investor$88,388 14.39 %$86,736 14.66 %Multifamily65,132 10.60 %61,033 10.31 %All other173,924 28.31 %158,739 26.83 %Hotels85,401 13.90 %83,756 14.15 %Health care49,168 8.00 %50,083 8.46 %Retail trade32,364 5.27 %35,063 5.93 %Manufacturing18,684 3.04 %17,030 2.88 %Accommodation services17,262 2.81 %16,804 2.84 %Construction14,961 2.44 %12,825 2.17 %Educational services10,872 1.77 %11,160 1.89 %Wholesale trade10,676 1.74 %11,073 1.87 %Other47,551 7.73 %47,416 8.01 %Total commercial real estate$614,383 100.00 %$591,718 100.00 %

Commercial real estate loans are subject to a varying degree of risk from changes in interest rates and economic conditions. To control these risks, we maintain strict underwriting standards, lending limits to a single borrower, loan to collateral value limits, and a defined market area. We also monitor and limit loan concentrations to specific industries.  Our practices also include appropriate loan reviews, and monitoring of past due levels, concentrations, industry trends, and other qualitative factors.

Deposits

The following table displays deposit balances as of:June 302025