Isabella Bank (ISBA) Financials: History & Chart

Isabella Bank Corporation (ISBA)ISBAIsabella Bank Corporation

About Isabella Bank Corporation

Isabella Bank Corporation serves as the parent company for Isabella Bank, providing a comprehensive suite of banking products and financial services. Its diverse clientele includes businesses, institutions, private individuals, and families. The bank facilitates savings through various deposit options, such as checking and savings accounts, certificates of deposit (CDs), direct deposit services, and money market accounts. Its lending solutions are extensive, comprising commercial, agricultural, and residential real estate loans, alongside consumer credit offerings, including both secured and unsecured personal loans. Beyond core banking, Isabella Bank Corporation offers a range of additional amenities. These include cash management tools, mobile and internet banking platforms, electronic bill payment, automated teller machines (ATMs), specialized trust and investment advisory, estate planning assistance, and safe deposit box rentals. The corporation also extends its services to include group life, health, accident, and disability insurance products, as well as various other employee benefit programs. As of December 31, 2021, the company maintained 30 branch locations situated in Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. With a heritage dating back to its founding in 1903, Isabella Bank Corporation is headquartered in Mount Pleasant, Michigan.

Mount Pleasant, MI

368 employees

www.isabellabank.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Jerome E. Schwind

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	111.30M	21.86M	29.49M	31.36M	28.59M	26.37M	25.68M	25.76M	26.37M
Cost of Goods Sold	34.41M	8.25M	8.25M	8.98M	8.93M	7.01M	8.00M	8.99M	9.80M
Gross Profit	42.04M	-21.24M	21.24M	22.37M	19.67M	19.36M	17.67M	16.77M	16.57M
Gross Profit Margin	37.8%	-97.2%	72.0%	71.4%	68.8%	73.4%	68.8%	65.1%	62.8%
Total Operating Expenses	59.84M	13.64M	15.27M	17.55M	13.39M	13.19M	12.81M	11.95M	12.72M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	54.50M	13.64M	14.66M	17.78M	8.41M	8.23M	8.14M	9.36M	10.48M
Operating Income (EBIT)	11.10M	-5.98M	5.98M	4.83M	6.28M	6.17M	4.86M	4.82M	3.84M
Operating Margin	10.0%	-27.3%	20.3%	15.4%	21.9%	23.4%	18.9%	18.7%	14.6%
Income Before Tax (EBT)	25.25M	6.18M	5.98M	6.82M	6.28M	6.17M	4.86M	4.82M	3.84M
Interest Income	50.16M	-25.13M	25.13M	25.28M	24.88M	23.24M	22.63M	23.17M	23.34M
Interest Expense	33.65M	8.13M	8.25M	8.55M	8.72M	8.11M	8.11M	8.61M	8.85M
Other Income/Expense	14.14M	12.15M	0.00	1.99M	0.00	0.00	0.00	0.00	0.00
Net Income	19.96M	5.04M	4.99M	4.69M	5.24M	5.03M	3.95M	4.00M	3.28M
Income Tax Expense	5.29M	1.14M	985K	2.13M	1.04M	1.14M	912K	825K	561K
Net Profit Margin	17.9%	23.1%	16.9%	15.0%	18.3%	19.1%	15.4%	15.5%	12.4%
EBITDA	12.17M	-6.54M	6.54M	5.37M	6.80M	6.71M	5.40M	5.35M	4.37M
EBITDA Margin	10.9%	-29.9%	22.2%	17.1%	23.8%	25.4%	21.0%	20.8%	16.6%
Depreciation & Amortization	1.07M	-562K	562K	537K	529K	537K	535K	531K	530K
EPS Basic	2.72	0.69	0.68	0.64	0.71	0.68	0.53	0.54	0.44
EPS Diluted	2.72	0.69	0.68	0.64	0.71	0.68	0.53	0.54	0.44
Shares Outstanding	0	0	7.34M	7.38M	7.38M	7.45M	7.45M	7.45M	7.45M
Diluted Shares Outstanding	0	0	7.34M	7.38M	7.38M	7.40M	7.45M	7.45M	7.47M

Annual Income Statement (USD)

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Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	112.00M	101.71M	90.76M	76.55M	71.28M	75.75M	76.34M	72.52M
Cost of Goods Sold	32.93M	36.03M	22.32M	5.80M	6.89M	15.49M	17.89M	16.61M
Gross Profit	79.07M	65.69M	68.45M	70.75M	64.38M	60.26M	58.45M	55.91M
Gross Profit Margin	70.6%	64.6%	75.4%	92.4%	90.3%	79.6%	76.6%	77.1%
Total Operating Expenses	56.94M	49.29M	46.62M	43.91M	41.03M	48.39M	44.04M	40.53M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	42.57M	31.42M	28.90M	27.40M	26.08M	25.96M	24.97M	24.79M
Operating Income (EBIT)	22.13M	16.40M	21.83M	26.84M	23.35M	11.87M	14.40M	15.38M
Operating Margin	19.8%	16.1%	24.1%	35.1%	32.8%	15.7%	18.9%	21.2%
Income Before Tax (EBT)	24.12M	16.40M	21.83M	26.84M	23.35M	11.87M	14.40M	15.38M
Interest Income	96.03M	89.98M	79.63M	65.80M	60.11M	64.17M	67.31M	63.86M
Interest Expense	33.49M	34.14M	21.69M	5.32M	7.41M	13.82M	17.86M	15.63M
Other Income/Expense	1.99M	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	18.91M	13.89M	18.17M	22.24M	19.50M	10.88M	13.02M	14.02M
Income Tax Expense	5.21M	2.51M	3.67M	4.61M	3.85M	987K	1.38M	1.36M
Net Profit Margin	16.9%	13.7%	20.0%	29.0%	27.4%	14.4%	17.1%	19.3%
EBITDA	22.28M	18.48M	23.81M	28.91M	26.29M	15.04M	17.69M	18.64M
EBITDA Margin	19.9%	18.2%	26.2%	37.8%	36.9%	19.9%	23.2%	25.7%
Depreciation & Amortization	146K	2.09M	1.98M	2.07M	2.94M	3.17M	3.29M	3.25M
EPS Basic	2.56	1.86	2.42	2.95	2.48	1.37	1.65	1.78
EPS Diluted	2.56	1.86	2.40	2.91	2.45	1.34	1.61	1.74
Shares Outstanding	7.38M	7.45M	7.51M	7.55M	7.53M	7.96M	7.91M	7.87M
Diluted Shares Outstanding	7.38M	7.48M	7.58M	7.65M	7.97M	8.11M	8.10M	8.07M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.