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Companies / Financials / ISABELLA BANK CORP
ISBA

ISABELLA BANK CORP

FinancialsBanks & Brokers
Ticker ISBAMT PLEASANT, MIFiscal year ends DecemberBook value per share $33.92Diluted shares 7.3M

Isabella Bank Corporation operates as a registered financial holding company with its wholly owned subsidiary, Isabella Bank, serving customers across Michigan's central region. The company maintains 31 banking offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties.… From the company’s description.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$78.51M
+11.5% year over year
Last 12 mo $85.34M
30.73%
+7.4 percentage points
Last 12 mo 29.58%
$18.91M
+36.2% year over year
Last 12 mo $19.96M
8.17%
+1.6 percentage points
Last 12 mo 8.03%
Cash & financing
$26.82M
+36.6% year over year
Last 12 mo $25.76M
$23.34M
+33.1% year over year
Last 12 mo $22.92M
8.48
Was 8.85× a year earlier
Last 12 mo 0.12
7.4M
−1.3% year over year
Last 12 mo 7.3M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What ISABELLA BANK CORP does

In the company’s own words

Isabella Bank Corporation operates as a registered financial holding company with its wholly owned subsidiary, Isabella Bank, serving customers across Michigan's central region. The company maintains 31 banking offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm, and Saginaw counties. As of December 31, 2025, Isabella Bank Corporation employed 362 full-time equivalent employees consisting of 341 full-time and 38 part-time staff members.

The company's primary business involves providing comprehensive banking and wealth management services to businesses, institutions, individuals, and families. Isabella Bank's lending activities encompass commercial and agricultural operation loans, real estate financing for both commercial and residential purposes, and consumer lending products. The bank maintains a community-focused lending philosophy with minimal purchased loans from secondary markets and no exposure to leveraged buyout financing or foreign corporate or government loans. Deposit services include checking and savings accounts, certificates of deposit, direct deposits, cash management services, mobile and internet banking, and automated teller machine access. The company also offers full-service investment management, trust, and estate services through its wealth management division.

Isabella Bank Corporation competes within a highly competitive financial services landscape against commercial banks, savings and loan associations, mortgage brokers, finance companies, credit unions, retail brokerage firms, and financial technology companies. The company's competitive positioning emphasizes high-quality, personalized service at fair pricing within its local market areas.

The corporation maintains regulatory compliance as a financial holding company registered with the Federal Reserve Board under the Bank Holding Company Act of 1956. Isabella Bank holds deposits insured by the Federal Deposit Insurance Corporation and operates under supervision by both the Michigan Department of Insurance and Financial Services and the Federal Reserve Board. The company's website is located at www.isabellabank.com.

Company details
Sector
Financials
Industry
Banks & Brokers
Headquarters
MT PLEASANT, MI
Fiscal year end
December
CIK
842517
SIC
6022

Financial performance, year by year

Fiscal 2013–2025 · USD
$-8.53M$17.07M$42.67M$68.28M$93.88M2013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns ISABELLA BANK CORP — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

64
funds hold it
0 of 35
superinvestors hold it
$29.58M
held by funds, at market
9.8%
of shares held by funds

Largest fund holders · ISABELLA BANK CORP’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 Value ETF
IWN · iShares Trust
0.02%of fund net assets
Fidelity Extended Market Index Fund
FSMAX · Fidelity Concord Street Trust
0.00%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do ISABELLA BANK CORP and its peers compare on margins and cash generation over ten years?”
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  • “What changed in ISABELLA BANK CORP's last four quarterly filings that the numbers alone won't show?”
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