Isabella Bank Corporation (ISBA) Quick Ratio (Acid-Test): 0.12
Is Isabella Bank Corporation’s quick ratio (acid-test) high or low?
Isabella Bank Corporation's quick ratio (acid-test) of 0.12 is 57% below its 5-year average of 0.28, near the low end of its 5-year range (0.12–0.37).
As of Tuesday, June 16, 2026. 7.69% below its 12-month average of 0.13.
ISBA Quick Ratio (Acid-Test) Chart
ISBA Average Quick Ratio (Acid-Test) Chart
ISBA Current vs Average Quick Ratio (Acid-Test) Chart
ISBA Quick Ratio (Acid-Test) Metrics
QUICK RATIO (ACID-TEST)
0.12
QUICK RATIO (ACID-TEST) AVG TTM
0.13
QUICK RATIO (ACID-TEST) AVG 3Y
0.24
QUICK RATIO (ACID-TEST) AVG 5Y
0.28
QUICK RATIO (ACID-TEST) AVG 10Y
0.36
QUICK RATIO (ACID-TEST) AVG 15Y
0.43
QUICK RATIO (ACID-TEST) AVG 20Y
0.29
CURRENT VS TTM AVG
-7.69%
CURRENT VS 3Y AVG
-50.00%
CURRENT VS 5Y AVG
-57.14%
CURRENT VS 10Y AVG
-66.41%
CURRENT VS 15Y AVG
-71.99%
CURRENT VS 20Y AVG
-58.69%
ISBA Competitors' Quick Ratio (Acid-Test)
| NAME | MARKET CAP | QUICK RATIO (ACID-TEST) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Isabella Bank Corporation (ISBA) | $303.79M | 0.12 | 0.13 | 0.24 | 0.28 |
| Blackrock 2037 Municipal Target Term Trust (BMN)vs › | $158.67M | N/A | N/A | N/A | N/A |
| Global X - MSCI Colombia ETF (COLO)vs › | $129.85M | N/A | N/A | N/A | N/A |
| Lufax Holding Ltd (LU)vs › | $570.20M | 0.56 | 0.56 | 13.19 | 14.96 |
| CYBER HORNET S&P 500 and Bitcoin 75/25 Strategy ETF (ZZZ)vs › | $5.89M | N/A | N/A | N/A | N/A |
| WisdomTree Artificial Intelligence and Innovation Fund (WTAI)vs › | $642.13M | N/A | N/A | N/A | N/A |
| Main Street Capital Corporation (MAIN)vs › | $4.79B | 449.84 | 226.86 | 114.79 | 77.09 |
| Kinsale Capital Group, Inc. (KNSL)vs › | $7.19B | 0.84 | 1.07 | 1.20 | 1.22 |
| Assurant, Inc. (AIZ)vs › | $12.86B | 0.55 | 0.67 | 0.66 | 0.69 |
| Global Payments Inc. (GPN)vs › | $15.97B | 1.69 | 1.33 | 1.14 | 1.11 |
Liquidity Comparison
Quick Ratio
0.12
Excludes inventory
Current Ratio
0.12
Includes inventory
Isabella Bank Corporation Quick Ratio (Acid-Test) Formula & Definition
Quick Ratio = (Current Assets − Inventory) / Current Liabilities
The quick ratio is a stricter liquidity measure that excludes inventory, showing the ability to meet short-term obligations with the most liquid assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
Isabella Bank Corporation Quick Ratio (Acid-Test) FAQ
- What is the quick ratio (acid-test) for Isabella Bank Corporation (ISBA)?
- The quick ratio (acid-test) for ISBA stock is 0.12.
- Is Isabella Bank Corporation's quick ratio (acid-test) high or low?
- Isabella Bank Corporation's quick ratio (acid-test) of 0.12 is 57% below its 5-year average of 0.28, near the low end of its 5-year range (0.12–0.37).
- What is the TTM average quick ratio (acid-test) for Isabella Bank Corporation (ISBA)?
- The TTM average quick ratio (acid-test) for ISBA stock is 0.13.
- What is the 3Y average quick ratio (acid-test) for Isabella Bank Corporation (ISBA)?
- The 3Y average quick ratio (acid-test) for ISBA stock is 0.24.
- What is the 5Y average quick ratio (acid-test) for Isabella Bank Corporation (ISBA)?
- The 5Y average quick ratio (acid-test) for ISBA stock is 0.28.
- What is the 10Y average quick ratio (acid-test) for Isabella Bank Corporation (ISBA)?
- The 10Y average quick ratio (acid-test) for ISBA stock is 0.36.
- What is the 15Y average quick ratio (acid-test) for Isabella Bank Corporation (ISBA)?
- The 15Y average quick ratio (acid-test) for ISBA stock is 0.43.
- What is the 20Y average quick ratio (acid-test) for Isabella Bank Corporation (ISBA)?
- The 20Y average quick ratio (acid-test) for ISBA stock is 0.29.
Isabella Bank Corporation Quick Ratio (Acid-Test) History
| DATE | QUICK RATIO (ACID-TEST) |
|---|---|
| 2025-12-31 | 0.12 |
| 2024-12-31 | 0.14 |
| 2023-12-31 | 0.34 |
| 2022-12-31 | 0.36 |
| 2021-12-31 | 0.35 |
| 2020-12-31 | 0.37 |
| 2019-12-31 | 0.37 |
| 2018-12-31 | 0.43 |
| 2017-12-31 | 0.44 |
| 2016-12-31 | 0.46 |
| 2015-12-31 | 0.55 |
| 2014-12-31 | 0.50 |
| 2013-12-31 | 0.47 |
| 2012-12-31 | 0.48 |
| 2011-12-31 | 0.45 |
| 2010-12-31 | 0.04 |
| 2009-12-31 | 0.04 |
| 2008-12-31 | 0.04 |
| 2007-12-31 | 0.04 |
| 2006-12-31 | 0.05 |
| 2005-12-31 | 0.06 |
| 2004-12-31 | 0.04 |
| 2003-12-31 | 0.06 |
| 2002-12-31 | 0.10 |
| 2001-12-31 | 0.12 |
| 2000-12-31 | 0.07 |
| 1999-12-31 | 0.07 |
| 1998-12-31 | 0.09 |
| 1997-12-31 | 0.11 |
| 1996-12-31 | 0.06 |
Related Metrics
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.
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- Jerome E. Schwind