Isabella Bank Corporation (ISBA)

Isabella Bank Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	138.54	26.04	24.54	33.67	38.92	105.33
Investment Securities	105.77	196.77	250.88	262.62	295.88	319.22
Mortgage-Backed Securities	164.36	213.96	171.29	198.45	226.9	121.48
Total Investments	270.12	410.73	422.18	461.07	522.77	440.7
Gross Loans	1,536	1,536	1,424	1,349	1,264	1,301
Allowance for Loan Losses	-14.4	-13.73	-12.9	-13.11	-9.85	-9.1
Net Loans	1,521	1,523	1,411	1,336	1,254	1,292
Property, Plant & Equipment	28.86	29	27.66	27.64	25.55	24.42
Goodwill	-	48.28	48.28	48.28	48.28	48.28
Other Intangible Assets	48.28	-	0	0	0.01	0.02
Loans Held for Sale	0.3	0.42	0.24	-	0.38	1.74
Accrued Interest Receivable	8.81	8.4	8.09	8.17	7.47	5.8
Other Real Estate Owned & Foreclosed	0.65	0.94	0.54	0.42	0.44	0.21
Other Long-Term Assets	217.94	151.81	118.51	117.84	119.35	98.67
Total Assets	2,241	2,209	2,086	2,059	2,030	2,032

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	1,483	1,393	1,331	948.82	1,183	1,183
Institutional Deposits	-	-	-	346.37	67.13	78.58
Non-Interest Bearing Deposits	409.73	426.34	416.37	428.51	494.35	448.35
Total Deposits	1,893	1,820	1,747	1,724	1,744	1,710
Short-Term Borrowings	57.87	113	83.57	86.8	57.77	50.16
Current Portion of Long-Term Debt	-	-	-	-	-	20
Accrued Interest Payable	-	1.06	1.05	0.89	0.26	0.25
Long-Term Debt	29.58	29.51	29.42	29.34	29.25	29.16
Pension & Post-Retirement Benefits	-	1.25	1.79	2.08	3.22	3.92
Other Long-Term Liabilities	14.87	13.57	13.08	13.77	9.29	7.28
Total Liabilities	1,995	1,978	1,876	1,857	1,844	1,821

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	136.12	123.2	126.22	127.32	128.65	129.05
Retained Earnings	124.34	113.85	103.02	97.28	89.75	75.59
Comprehensive Income & Other	-14.87	-5.66	-18.97	-22.2	-32.19	6.4
Shareholders' Equity	245.59	231.4	210.28	202.4	186.21	211.05
Total Liabilities & Equity	2,241	2,209	2,086	2,059	2,030	2,032

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	87.46	142.51	112.99	116.14	87.02	99.32
Net Cash (Debt)	51.09	-116.47	-88.45	-82.46	-48.09	6.01
Net Cash Growth	-26.80%	-	-	-	-	-93.12%
Net Cash Per Share	6.89	-15.77	-11.82	-10.89	-6.29	0.75
Filing Date Shares Outstanding	7.65	7.33	7.41	7.5	7.56	7.53
Total Common Shares Outstanding	7.65	7.32	7.42	7.49	7.56	7.53
Book Value Per Share	32.09	31.60	28.32	27.04	24.63	28.02
Tangible Book Value	197.3	183.11	161.99	154.12	137.92	162.75
Tangible Book Value Per Share	25.78	25.01	21.82	20.59	18.25	21.61

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 1, 2026

Data Sources Report a data error