Isabella Bank Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	67.86	62.54	55.84	57.94	60.48	52.7
Net Interest Income Growth	15.60%	12.02%	-3.64%	-4.20%	14.76%	4.68%
Non-Interest Income	17.49	15.97	14.58	13.83	13.67	13.82
Non-Interest Income Growth	18.85%	9.54%	5.42%	1.18%	-1.13%	-4.17%
Revenues Before Loan Losses	85.34	78.51	70.41	71.77	74.15	66.52
Provision for Credit Losses	2.14	-0.56	1.88	0.63	0.48	-0.52
Revenue	83.2	79.07	68.53	71.14	73.66	67.04
Revenue Growth	13.52%	15.39%	-3.68%	-3.42%	9.88%	6.24%
Compensation Expenses	31.24	30.04	28.58	25.91	24.89	23.75
Selling, General & Admin	18.95	19.05	17.35	17.52	17.82	9.12
Other Non-Interest Expenses	1.2	5.86	6.2	5.89	4.11	10.82
Total Non-Interest Expense	57.95	54.95	52.13	49.31	46.82	43.69
Pretax Income	25.25	24.12	16.4	21.83	26.84	23.35
Provision for Income Taxes	5.29	5.21	2.51	3.67	4.61	3.85
Net Income	19.96	18.91	13.89	18.17	22.24	19.5
Net Income to Common	19.96	18.91	13.89	18.17	22.24	19.5
Net Income Growth	22.80%	36.15%	-23.55%	-18.31%	14.05%	79.14%
Shares Outstanding (Basic)	7	7	7	8	8	8
Shares Outstanding (Diluted)	7	7	7	8	8	8
Shares Change	-1.25%	-1.29%	-1.23%	-0.94%	-4.00%	-1.73%
EPS (Basic)	2.72	2.56	1.86	2.42	2.95	2.48
EPS (Diluted)	2.72	2.56	1.86	2.40	2.91	2.45
EPS Growth	24.20%	37.63%	-22.50%	-17.53%	18.78%	82.84%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Free Cash Flow	-	23.34	17.53	20.12	23.68	23.91
Free Cash Flow Growth	-	33.12%	-12.86%	-15.05%	-0.95%	16.74%
Free Cash Flow Per Share	-	3.16	2.34	2.66	3.10	3.00
Dividends Per Share	1.120	1.120	1.120	1.120	1.090	1.080
Dividend Growth	0%	0%	0%	2.75%	0.93%	0%
Profit Margin	23.99%	23.91%	20.27%	25.54%	30.19%	29.09%
FCF Margin	-	29.51%	25.58%	28.28%	32.15%	35.66%
Effective Tax Rate	20.93%	21.61%	15.30%	16.79%	17.16%	16.48%

SEC Filings: 10-K · 10-Q