ISBA on Nasdaq

ISABELLA BANK CORP

Registered financial holding company registered under the BHC Act2

In its 2026 annual report the company says: “The Bank is a community bank with a focus on providing high quality, personalized service at a fair price. We offer a broad array of banking and wealth management services to businesses, institutions, individuals, and their families. We limit lending activities primarily to local markets and purchased loans from the secondary market are minimal.”4 It is headquartered in Mount Pleasant, United States.2 Its shares trade on Nasdaq under the symbol ISBA.2

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Last updated Oct 20, 2026.

Overview

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  • TickerISBA on Nasdaq2
  • IndustryState Commercial Banks2
  • HeadquartersMount Pleasant, United States2
  • Incorporated inMI3
  • Business address401 North Main Street, Mt Pleasant, Mi 488583
  • Filer categoryAccelerated filer, Smaller reporting company3
  • Legal formCommercial Bank2
  • LEI549300XYX207IABFXL602
  • StatusActive2
  • LEI statusIssued and current2
  • Registered address139 E Broadway St, 48858 Mount Pleasant, United States2
  • Registered withFederal Deposit Insurance Corporation, 10052

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Isabella Bank Corporation is a registered financial holding company registered under the BHC Act. The Corporation was incorporated in September 1988 under Michigan law. The Corporation’s wholly owned subsidiary, Isabella Bank, has 31 offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. The area includes significant agricultural production, manufacturing, retail, gaming and tourism, and several colleges and universities.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Debit Card brought in 32% of the revenue ISABELLA BANK CORP broke down this way in fiscal 2025.

  1. Debit Card$4.2M532%up 2% from 2024
  2. Fiduciary and Trust$3.5M527%up 2% from 2024
  3. Customer Overdraft Fees$2.3M517%up 3% from 2024
  4. ATM Income$1.1M58%down 1% from 2024
  5. Service Charges And Deposit Account Fees$946.0K57%up 49% from 2024
  6. Investment Advice$725.0K55%up 20% from 2024
  7. Other Revenue$540.0K54%up 38% from 2024
Products and services by year
Products and services202320242025
Debit Card$4.1M$4.2M$4.2M
Fiduciary and Trust$3.1M$3.4M$3.5M
Customer Overdraft Fees$2.1M$2.2M$2.3M
ATM Income$988.0K$1.1M$1.1M
Service Charges And Deposit Account Fees$539.0K$633.0K$946.0K
Investment Advice$447.0K$603.0K$725.0K
Other Revenue$351.0K$392.0K$540.0K

Financial statements

Net income67895$18.9M in 2025+45% since 2019
0$10.0M$20.0M$30.0M2019: $13.0M$13.0M20192020: $10.9M$10.9M2020−16%2021: $19.5M$19.5M2021+79%2022: $22.2M$22.2M2022+14%2023: $18.2M$18.2M2023−18%2024: $13.9M$13.9M2024−24%2025: $18.9M$18.9M2025+36%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Loans, including fees$81.4M$77.3M$65.7M
Taxable$9.6M$8.7M$9.5M
Nontaxable$2.1M$2.3M$2.6M
FHLB stock$418.0K$640.0K$355.0K
Federal funds sold and other$2.5M$950.0K$1.4M
Total interest income$96.0M$90.0M$79.6M
Deposits$30.2M$29.7M$18.4M
Short-term borrowings$1.7M$1.4M$961.0K
FHLB advances$487.0K$1.9M$1.3M
Subordinated debt$1.1M$1.1M$1.1M
Total interest expense$33.5M$34.1M$21.7M
Net interest income$62.5M$55.8M$57.9M
Provision (reversal) for credit losses-$563.0K$1.9M$629.0K
Net interest income after provision for credit losses$63.1M$54.0M$57.3M
Service charges and fees$8.9M$8.3M$7.8M
Wealth management fees$4.2M$4.0M$3.6M
Earnings on BOLI$1.6M$1.0M$920.0K
Net gain on sale of mortgage loans$180.0K$213.0K$317.0K
Net gains on sale of AFS securities$0$0$67.0K
Other$1.1M$1.0M$1.2M
Total noninterest income$16.0M$14.6M$13.8M
Compensation and benefits$30.0M$28.6M$25.9M
Occupancy and equipment$10.5M$10.5M$10.3M
Other professional services$3.2M$2.2M$2.3M
ATM and debit card fees$2.2M$2.0M$1.8M
Marketing$2.0M$1.7M$2.1M
FDIC insurance premiums$1.2M$1.1M$922.0K
Memberships and subscriptions$1.1M$928.0K$1.0M
Other losses$643.0K$1.1M$871.0K
Other$4.0M$4.0M$4.1M
Total noninterest expenses$55.0M$52.1M$49.3M
Income before income tax expense$24.1M$16.4M$21.8M
Income tax expense$5.2M$2.5M$3.7M
Net income$18.9M$13.9M$18.2M
Basic (in dollars per share)$2.56$1.86$2.42
Diluted (in dollars per share)$2.56$1.86$2.40
Cash dividends per common share (in dollars per share)$1.12$1.12$1.12

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Corporate structure

ISABELLA BANK CORP sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of ISABELLA BANK CORP

  • BlackRock Filed SCHEDULE 13G on ISABELLA BANK CORP, latest Jul 28, 2026
  • Richard L. McGuirk Filed SC 13D on ISABELLA BANK CORP, latest Nov 5, 2021
  • ISABELLA BANK CORP Mount Pleasant, Michigan, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What ISABELLA BANK CORP reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$80.0M5 Dec 31, 2025$76.6M5 Dec 31, 2024+4.4%
Accumulated depreciation$51.0M5 Dec 31, 2025$49.0M5 Dec 31, 2024+4.1%
Property and equipment, net$29.0M5 Dec 31, 2025$27.7M5 Dec 31, 2024+4.8%

Real estate and locations

ItemLatestA year beforeChange
Stores315 Dec 31, 2025319 Dec 31, 20240%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$26.0M5 Dec 31, 2025$24.5M5 Dec 31, 2024+6.1%
Debt securities available for sale$497.8M5 Dec 31, 2025$489.0M5 Dec 31, 2024+1.8%
Loans, net of allowance$1.5B5 Dec 31, 2025$1.4B5 Dec 31, 2024+7.9%
Deposits held (banks)$1.8B5 Dec 31, 2025$1.7B5 Dec 31, 2024+4.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$48.3M5 Dec 31, 2025$48.3M5 Dec 31, 20240%

Properties, in its own words

Our executive offices are located at 401 North Main Street in Mount Pleasant, Michigan. In addition to this location, we own 29 branches, two operations centers, and vacant land. We also lease property in Saginaw, Michigan, which serves as a full-service branch, and Bay City, Michigan, which serves as a loan and wealth office. We continually monitor and assess the need for expansion and/or improvement of all facilities. In our opinion, each facility has sufficient capacity and is in good condition.

Item 2 of the 10-K filed Mar 13, 2026.4

Leadership

Who has led ISABELLA BANK CORP, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Richard J. Barz2010–2014
  2. Jae A. Evans2014–2023
  3. Jerome E. Schwind2024–now

President

  1. Dennis P. Angner2006–2018
  2. Thomas E. Kedrowski2006
  3. Steven D. Pung2014–2016
  4. Jerome E. Schwind2016–2017
  5. Jae A. Evans2017–2023
  6. Neil Michael McDonnell2024–now

Chief financial officer

  1. Dennis P. Angner2016–2018
  2. Rhonda S. Tudor2017
  3. Neil Michael McDonnell2018–2025
  4. William M. Schaefer2024–2026
  5. Gerald J. Ritzert2026–now

Chief operating officer

  1. Jerome E. Schwind2014–2018
2010201520202025
Board members and other officers (44)

Former names

  • IBT BANCORP INC /MI/Nov 13, 1995 to May 16, 20083

Timeline

  1. Oct 6, 20268-K Other events68
  2. Sep 28, 20268-K Other events69
  3. Sep 21, 20268-K Other events70
  4. Aug 27, 20268-K Other events71
  5. Aug 14, 20268-K Executive or director change72
  6. Jul 23, 20268-K Results of operations73
  7. Jun 16, 20268-K Entered a material agreement74
  8. Jun 15, 20268-K Entered a material agreement75
  9. Jun 12, 20268-K Regulation FD disclosure76
  10. May 28, 20268-K Other events77
  11. May 7, 20268-K Shareholder vote78
  12. Apr 23, 20268-K Results of operations79
  13. Feb 5, 2024New chief executive Jerome E. Schwind becomes CEO13
  14. Jan 10, 2014New chief executive Jae A. Evans becomes CEO14
  15. Jun 30, 2010New chief executive Richard J. Barz becomes CEO15
  16. Jul 1, 1903Founded ISABELLA BANK CORP is founded2

Calendar

Coming up

  1. Oct 26, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.71 a share, on Oct 27, 2025.80

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results73
  2. Apr 23, 2026Reported quarterly or annual results79
  3. Feb 5, 2026Reported quarterly or annual results81
  4. Oct 27, 2025Reported quarterly or annual results82
  5. Jul 24, 2025Reported quarterly or annual results83
  6. Apr 17, 2025Reported quarterly or annual results84
  7. Jan 31, 2025Reported quarterly or annual results85
  8. Oct 24, 2024Reported quarterly or annual results86

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

684 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 83 major events, 540 insider forms, 2 large holders, 39 other. The latest 20:

  1. Oct 6, 20268-K EDGAR
  2. Sep 28, 20268-K EDGAR
  3. Sep 21, 20268-K EDGAR
  4. Sep 17, 20264 EDGAR
  5. Sep 3, 20264 EDGAR
  6. Sep 3, 20264 EDGAR
  7. Sep 3, 20264 EDGAR
  8. Sep 3, 20264 EDGAR
  9. Sep 3, 20264 EDGAR
  10. Sep 3, 20264 EDGAR
  11. Sep 3, 20264 EDGAR
  12. Sep 3, 20264 EDGAR
  13. Sep 3, 20264 EDGAR
  14. Aug 27, 20268-K EDGAR
  15. Aug 17, 20264 EDGAR
  16. Aug 14, 20268-K EDGAR
  17. Aug 10, 2026424B3 EDGAR
  18. Aug 10, 202610-Q EDGAR
  19. Aug 6, 2026EFFECT EDGAR
  20. Aug 6, 2026S-4/A EDGAR

The 684 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

328 open-market trades by officers, directors and large owners since October 2021: 325 buys and 3 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 16, 2026Bourland JillDirectorBuy8$39.40$300Form 4
Aug 17, 2026Bourland JillDirectorBuy7$41.59$300Form 4
Jul 16, 2026Bourland JillDirectorBuy8$39.07$300Form 4
Jun 16, 2026Bourland JillDirectorBuy7$41.43$300Form 4
May 18, 2026Bourland JillDirectorBuy7$41.05$300Form 4
Apr 16, 2026Bourland JillDirectorBuy6$48.90$300Form 4
Mar 16, 2026Bourland JillDirectorBuy7$44.03$300Form 4
Mar 2, 2026Catlin Jon DChief Credit OfficerBuy103$31.47$3.2KForm 4
Mar 2, 2026Huenemann Michael KyleChief Lending OfficerBuy61$31.47$1.9KForm 4
Mar 2, 2026McDonnell Neil MichaelPresidentBuy55$31.47$1.7KForm 4
Mar 2, 2026Schwind Jerome EPresident & CEOBuy396$31.47$12.5KForm 4
Feb 17, 2026Bourland JillDirectorBuy6$51.30$300Form 4
Jan 20, 2026Opperman Sarah RDirectorBuy277$49.58$13.8KForm 4
Jan 20, 2026Sackett Brian RoyDirectorBuy403$49.58$20.0KForm 4
Jan 20, 2026Evans Jae ADirectorBuy201$49.58$10.0KForm 4
Jan 20, 2026Behen David BrianDirectorBuy242$49.58$12.0KForm 4
Jan 20, 2026Coffin Melinda MarieDirectorBuy444$49.58$22.0KForm 4
Jan 20, 2026McDonnell Neil MichaelPresidentBuy303$49.58$15.0KForm 4
Jan 20, 2026Bourland JillDirectorBuy242$49.58$12.0KForm 4
Jan 16, 2026Bourland JillDirectorBuy6$50.00$300Form 4

All 328 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Jerome E. Schwind$522.3K$765.3K89
2025Neil M. McDonnell$393.5K$574.3K89
2025William M. Schaefer$184.0K$262.1K89
2024President and CEO of Isabella Bank Corporation and CEO of Isabella Bank$443.6K$586.6K89
2024President of Isabella Bank$365.0K$471.9K89
2024CFO of Isabella Bank Corporation and Isabella Bank$174.3K$230.7K89

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 59. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.467,431$18.5M0.0%+367,230
Vanguard Capital Management LLC299,599$11.8M0.0%+25,551
Geode Capital Management, LLC176,251$7.0M0.0%+95,849
State Street Corp86,581$3.4M0.0%+64,529
Northern Trust Corp53,471$2.1M0.0%+38,731
Vanguard Portfolio Management LLC46,742$1.8M0.0%New
Vanguard Fiduciary Trust Co46,482$1.8M0.0%+5,728
Harbour Investments, Inc.32,988$1.3M0.0%+5,967
Victory Capital Management Inc31,000$1.2M0.0%New
Goldman Sachs Group Inc27,462$1.1M0.0%+6,637
Two Sigma Investments, LP23,858$942.4K0.0%New
Charles Schwab Investment Management Inc20,321$802.7K0.0%New
American Century Companies Inc19,931$787.3K0.0%+1,888
Marshall Wace, Llp19,865$784.7K0.0%−33,813
Bank of New York Mellon Corp16,773$662.5K0.0%New
Bridgeway Capital Management, LLC14,240$562.5K0.0%No change
Citadel Advisors LLC14,147$558.8K0.0%+8,858
Nuveen, LLC12,690$501.3K0.0%New
Integrated Wealth Concepts LLC12,214$482.4K0.0%+6,123
Bank Of America Corp /de/10,550$416.7K0.0%+1,234
Walleye Capital LLC8,994$355.3K0.0%New
Dimensional Fund Advisors LP8,840$349.9K0.0%No change
Mattson Financial Services, LLC8,534$347.5K0.1%New
Gradient Investments LLC8,534$337.1K0.0%New
Qube Research & Technologies Ltd7,358$290.6K0.0%−14,176

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How ISABELLA BANK CORP is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARISABELLA BANK CORP1
  • CIK0000842517
  • Employer ID (EIN)38-28300924
  • Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inMichigan4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address401 North Main Street, Mt Pleasant, MI 488581
  • Phone98977294711
  • Shares outstanding7,628,873 as of Aug 6, 202611
  • Public float$217.7M as of Jun 30, 20254
  • AuditorPlante & Moran, PLLC, Grand Rapids, Michigan PCAOB ID 166; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceNov 13, 19951
  • Filings2,009 in all: 4 (1,182), 8-K (288), 5 (197), 10-Q (93), 3 (42), 4/A (35), DEF 14A (31), 10-K (25)1
    All 41 form types

    425 (15), 8-K/A (11), S-3D (9), UPLOAD (9), CORRESP (8), S-8 (7), 10-K405 (6), EFFECT (5), S-4 (5), S-4/A (5), 5/A (4), ARS (4), 424B3 (3), 10-K/A (2), 3/A (2), S-3 (2), S-3DPOS (2), SC TO-I/A (2), 10-Q/A (1), 144 (1), 424B5 (1), 8-A12B (1), CERT (1), D (1), DEFA14A (1), DEFR14A (1), PRE 14A (1), RW (1), S-8 POS (1), SC 13D (1), SC TO-C (1), SC TO-I (1), SCHEDULE 13G (1)

  • Latest filingsAnnual report (10-K) Mar 13, 2026
    Quarterly report (10-Q) Aug 10, 2026
    Proxy statement (DEF 14A) Mar 23, 2026
    Latest 8-K (8-K) Oct 6, 2026

Securities registered for trading

ClassSymbolExchange
NoneISBANasdaq

From the cover page of the 10-K filed Mar 13, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks ISABELLA BANK CORP names in Item 1A of its 10-K filed Mar 13, 2026: 40 risks under these headings, as written.4

  • CREDIT RISKS
  • Deterioration in credit quality may adversely affect our earnings.
  • Credit losses could increase, and the allowance may not be adequate to cover actual credit losses.
  • Concentrations within the loan portfolio may increase exposure to credit losses.
  • INTEREST RATE AND LIQUIDITY RISKS
  • Changes in interest rates may reduce our net interest income.
  • The value of our investment securities portfolio may be negatively impacted by fluctuations in the market, including credit deterioration of the issuers of individual securities.
  • We are subject to liquidity risk in our operations, which could adversely impact our ability to fund various obligations.
  • Minimum capital requirements may adversely affect our ability to pay cash dividends, reduce our profitability, or otherwise adversely affect our business, financial condition or results of operations.
  • Our access to funds from subsidiaries may be restricted.
  • Earnings may not grow if we are unable to successfully attract core deposits and lending opportunities and execute opportunities to generate fee-based income.
  • Wholesale funding sources may prove insufficient to replace deposits, support operations, and future growth.
The other 30 risks
  • Loss of deposits or a change in deposit mix could increase our cost of funding.
  • Prepayments of loans may negatively impact our business as customers may prepay the principal amount of their outstanding loans at any time.
  • Secondary mortgage market conditions may adversely affect our financial condition and earnings.
  • OPERATIONAL AND REPUTATIONAL RISKS
  • Operational risks could lead to financial loss, litigation, and reputation risk.
  • Unauthorized disclosure of sensitive or confidential client or customer information, whether through cyber attacks, breach of computer systems or other means could severely harm the Corporation’s business.
  • Our operations rely on external vendors.
  • The Bank may experience losses related to fraud or theft.
  • The Bank’s framework for managing risk may not be effective in mitigating its risk and loss.
  • Impairment of goodwill could result in a negative impact on our results of operations.
  • STRATEGY AND EXTERNAL RISKS
  • Deterioration in national, state, and local economic conditions may adversely affect our financial performance.
  • Monetary policy and economic environment could impact our financial performance.
  • Wealth management business line could create risks associated with the industry.
  • Strong competition within our markets may significantly impact profitability.
  • Market changes may adversely affect demand for our services and impact revenue, costs, and earnings.
  • The soundness of other financial institutions could adversely affect us.
  • Expansion, growth, and acquisitions could negatively impact earnings if not successful.
  • We may be adversely affected by continuous technological change.
  • LEGAL, REGULATORY, AND COMPLIANCE RISKS
  • We are subject to extensive government regulation and supervision, and any regulatory changes may adversely affect us.
  • The obligations associated with being a public company require significant resources and management attention.
  • Many of our new activities and expansion plans require regulatory approvals, and failure to obtain them may restrict our growth.
  • The FRB may require the Corporation to commit capital resources to support the Bank.
  • Legal and regulatory proceedings could adversely affect us or the financial services industry in general.
  • Societal responses to climate change could adversely affect the Bank’s business and performance, including indirectly through impacts on the Bank’s customers.
  • Pandemics, severe weather, natural disasters, acts of war or terrorism, and other external events could significantly impact our business and the business of our customers.
  • GENERAL RISK FACTORS
  • Changes in accounting policies or in accounting standards could materially affect our results of operations, and financial condition.
  • Internal controls may become ineffective in preventing or detecting material errors.
  • We may be unable to attract and retain key personnel.
  • An active public trading market may not be sustained.
  • The market price of our common stock could be volatile and may fluctuate significantly, which could cause the value of an investment in our common stock to decline, result in losses to our shareholders and litigation against us.
  • Future equity issuances, including through our current or any future equity compensation plans, could result in dilution, which could cause the price of our shares of common stock to decline.

Legal proceedings

We are not involved in any material legal proceedings. While we are involved in ordinary, routine litigation incidental to our business, no such routine proceedings are expected to result in any material adverse effect on our consolidated operations, earnings, financial condition, or cash flows.

The opening of Item 3, Legal Proceedings.4

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