Isabella Bank
Isabella Bank is an FDIC-insured commercial bank. The Q1 2026 balance sheet stands at $2.2B in assets, including $1.6B in loans. Returns are in line with industry norms at 1.05% ROA and 12.69% ROE; net interest margin is 3.32%. Capital cushions are healthy: 11.36% CET1, 8.62% Tier 1 leverage. Credit metrics are in line with industry norms — 0.90% NPL ratio. Isabella operates a 32-branch network.
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
- FED
- Fed District
- 9
- Established
- July 1, 1903
- Branches
- 32 domestic
- Employees (FTE)
- 364
- FDIC Cert
- 1005
- Fed RSSD
- 74140
- Website
- www.isabellabank.com →
- Parent Holding Company
- ISABELLA BANK CORPORATION (RSSD 1401118)
Capital & Liquidity
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Isabella Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 8 events.
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Frequently asked about Isabella Bank
What are Isabella Bank's total assets?
As of the Q1 2026 filing, Isabella Bank reported total assets of $2.20 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Isabella Bank headquartered?
Isabella Bank is headquartered in MOUNT PLEASANT, MI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Isabella Bank founded?
Isabella Bank was established in 1903, per the FDIC institution directory.
Is Isabella Bank FDIC-insured?
Yes. Isabella Bank 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 FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Isabella Bank's CET1 capital ratio?
Isabella Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.36% in its most recent quarterly filing — above regulatory minimums.
How many branches does Isabella Bank operate?
Isabella Bank operates 32 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Isabella Bank's Texas Ratio?
Isabella Bank's Texas Ratio is 7.25% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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