Isabella Bank
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Data as of · sourced from FFIEC call reports. How we update
Isabella Bank is an FDIC-insured commercial bank headquartered in Mount Pleasant, MI, established in 1903 (FDIC certificate 1005), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.17B, up 2.9% from Q2 2025, the 8th largest of 72 banks headquartered in Michigan. Its CET1 capital ratio was 11.49% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1005
- Headquarters
- Mount Pleasant, MI
- Established
- 1903
- Total assets, Q2 2026
- $2.17B
- Assets vs Q2 2025
- +2.9%
- CET1 ratio, Q2 2026
- 11.49%
- Domestic offices
- 31 FDIC institution directory, current count
- Routing number
- 072403004
- Holding company
- ISABELLA BANK CORPORATION
- Asset rank in state
- 8th of 72 in Michigan
Problem loans are rising at Isabella Bank. Its balance sheet stood at $2.2 billion at June 30, 2026, up 2.9% from a year earlier; it is based in Mount Pleasant, Michigan. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.49% of loans from 0.09% a year earlier. It lost 1.7% of its deposits over the year, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also funds 8.93% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
Loans and deposits moved in opposite directions: over the year loans rose 13.8% and deposits fell 1.7%.
As of June 30, 2026, Isabella Bank reported a CET1 capital ratio of 11.49%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.49% and a Texas ratio of 3.90%. The figures come from its call report filed with the FFIEC.
Isabella Bank ranks as the 8th largest of the 72 banks based in Michigan, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.5% to $2.17B, loans rose 2.0% and deposits fell 2.4%. 1-4 family residential loans made up 33.6% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 13.3%. The FDIC Summary of Deposits lists 31 offices for it, in 21 cities in MI; its Mount Pleasant 5 offices book 33% of its branch deposits. Judged on its Q2 2026 call report, Isabella Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 139 E Broadway St, Mount Pleasant, MI 48858
- County
- Isabella
- Metro Area
- Mount Pleasant, MI
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 1, 1903
- Former names
- Isabella Bank and Trust (1973-2008); Isabella County State Bank (1970-1973)
- Domestic offices
- 31 FDIC institution directory, current count
- Employees (FTE)
- 373
- Domestic deposits
- $1.85B
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- $637K
- Average total assets
- $2.18B
- Average total loans
- $1.54B
- Average interest-bearing deposits
- $1.44B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1005
- Fed RSSD
- 74140
- SEC CIK
- 842517 → filed by ISABELLA BANK CORPORATION
- Website
- www.isabellabank.com →
- Parent Holding Company
- ISABELLA BANK CORPORATION (RSSD 1401118) · ISBA
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Jerome E Schwind | CEO | President & CEO |
| Gerald J Ritzert | CFO | Chief Financial Officer |
| Erika M Ross | COO | Chief Operations Officer |
| Jon D Catlin | CCO | Chief Credit Officer |
| Michael P Prisby | TREAS | Treasurer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Isabella Bank's total assets moved between a low of $2.01B (Q1 2024) and a high of $2.21B (Q3 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.17B total assets against $2.11B; $1.98B total liabilities against $1.94B.
$1.58B net loans and leases against $1.38B; $1.85B total deposits against $1.88B.
$439.3M securities against $500.6M; $41.5M cash and balances due against $108.5M.
$26.2M total interest income against $23.3M; $7.9M total interest expense against $8.0M.
$18.3M net interest income against $15.3M.
$4.7M total noninterest income against $4.0M; $14.5M total noninterest expense against $13.3M.
$896K provision for credit losses against -$1.1M.
$6.2M net income against $5.7M.
1.14% return on assets against 1.11%; 3.57% net interest margin against 3.17%.
11.49% CET1 capital ratio against 12.18%; 8.93% tier 1 leverage ratio against 8.83%.
Inside the full Isabella Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Isabella Bank rankings
Its closest position to the top of a national ranking is 563 of 4,196, for total assets; its furthest is 1,848 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.74% (Q3 2024) to 1.14% (Q2 2026) and its net interest margin ran from 3.01% (Q3 2024) to 3.57% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.49% | 1.14% | 0.49% | 3.90% | 3.57% |
| Q1 2026 | 11.36% | 1.05% | 0.28% | 2.29% | 3.32% |
| Q4 2025 | 11.20% | 0.99% | 0.30% | 2.62% | 3.34% |
| Q3 2025 | 12.27% | 1.07% | 0.24% | 2.06% | 3.21% |
| Q2 2025 | 12.18% | 1.11% | 0.09% | 1.02% | 3.17% |
| Q1 2025 | 12.08% | 0.90% | 0.01% | 0.49% | 3.05% |
| Q4 2024 | 11.53% | 0.88% | 0.02% | 0.51% | 3.03% |
| Q3 2024 | 11.52% | 0.74% | 0.04% | 0.63% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 31 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Isabella Bank (main office) | Mount Pleasant , MI | 48858 | $216.1M |
| Pickard Street Branch | Mount Pleasant , MI | 48858 | $184.6M |
| South Mission Street Branch | Mount Pleasant , MI | 48858 | $125.6M |
| Clare Branch | Clare , MI | 48617 | $108.5M |
| Greenville Branch | Greenville , MI | 48838 | $108.3M |
| Canadian Lakes Branch | Canadian Lakes , MI | 49346 | $97.1M |
| West High Street Branch | Mount Pleasant , MI | 48858 | $88.4M |
| Breckenridge Branch | Breckenridge , MI | 48615 | $81.8M |
| Midland East Branch | Midland , MI | 48640 | $75.7M |
| Farwell Branch | Farwell , MI | 48622 | $64.7M |
| Big Rapids Branch | Big Rapids , MI | 49307 | $62.1M |
| Hemlock Office | Hemlock , MI | 48626 | $58.7M |
| Midland Branch | Midland , MI | 48640 | $57.6M |
| Six Lakes Branch | Six Lakes , MI | 48886 | $52.7M |
| Remus Branch | Remus , MI | 49340 | $52.1M |
| Shepherd Branch | Shepherd , MI | 48883 | $46.4M |
| Freeland Branch | Freeland , MI | 48623 | $45.4M |
| Ithaca Branch | Ithaca , MI | 48847 | $43.9M |
| Stanton Branch | Stanton , MI | 48888 | $41.6M |
| Weidman Branch | Weidman , MI | 48893 | $41.4M |
| Saginaw Bay Road Branch | Saginaw , MI | 48604 | $33.9M |
| Beal City Branch | Weidman , MI | 48893 | $31.4M |
| Blanchard Branch | Blanchard , MI | 49310 | $29.8M |
| Barryton Branch | Barryton , MI | 49305 | $28.4M |
| Saginaw Downtown Branch | Saginaw , MI | 48607 | $26.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2008 | Structure Change | Acquired Greenville Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 16, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 16, 2007 | Structure Change | Acquired FSB Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1982 | Structure Change | Acquired The Blanchard State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1970 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1970 | Structure Change | Acquired Weidman State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in MI, rank 17 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,056 applications, 779 loans originated, $172.5M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $320K approved, $160K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Isabella Bank
What are Isabella Bank's total assets?
As of the Q2 2026 filing, Isabella Bank reported total assets of $2.17 billion in its FFIEC call report.
Where is Isabella Bank headquartered?
It is headquartered in Mount Pleasant, MI, United States.
When was Isabella Bank founded?
It was established in 1903, per the FDIC institution directory.
Is Isabella Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Isabella Bank?
Isabella Bank's primary federal regulator is the Federal Reserve.
What is Isabella Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.49% in its Q2 2026 call report, above regulatory requirements.
How many branches does Isabella Bank operate?
It operates 31 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Isabella Bank's Texas Ratio?
Its Texas Ratio is 3.90% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Isabella Bank previously called?
The charter now named Isabella Bank has also operated as Isabella Bank and Trust (1973-2008), Isabella County State Bank (1970-1973), per FDIC structure-change records.
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