ISABELLA BANK

MOUNT PLEASANT, MI | Large | Est. July 1, 1903, midnight | FDIC #1005 | RSSD #74140 | FED
Latest Report: 2025-12-31

ISABELLA BANK is aln large FDIC-insured commercial bank headquartered in MOUNT PLEASANT, MI, established in July 1, 1903, midnight. As of 2025-12-31, the bank reported total assets of $2.2B and total deposits of $1.9B. Profitability stands at 0.98% ROA and 11.90% ROE, with a net interest margin of 3.37%. The bank's CET1 capital ratio is 11.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.30% and a Texas Ratio of 2.56%. FDIC Certificate #1005.

Assets

$2.2B

Deposits

$1.9B

Loans

$1.5B

Equity

$179M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 11.90%
Net Interest Margin (NIM) 3.37%
Yield on Assets 5.03%
Cost of Funds 3.11%

Asset Quality

NPL Ratio 0.30%
Net Charge-Off Ratio -0.09%
Texas Ratio 2.56%
NPA Ratio 0.23%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 11.20%
Tier 1 Capital 11.20%
Total Capital Ratio 12.08%
Leverage Ratio 8.45%
Loan-to-Deposit 83.04%

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