Isabella Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 19.54 percentage points in Q2 2026, from 99.96% to 80.42%. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Isabella Bank is 42nd of 72 on return on assets, 1.14% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Isabella Bank sits 0.14 points lower, at 1.14% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.49% |
| Tier 1 risk-based capital ratio | 11.49% |
| Total risk-based capital ratio | 12.39% |
| Tier 1 leverage ratio | 8.93% |
| Equity capital to assets | 8.76% |
| Tangible equity to tangible assets | 8.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.13% |
| Non-performing assets ratio | 0.83% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 9.01% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 80.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 13.25% |
| Net interest margin | 3.57% |
| Efficiency ratio | 62.84% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.61% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.16% |
| Core deposits to total deposits | 92.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.04% |
| Securities to assets | 20.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.75% | 12.75% | 13.67% | 8.97% | 0.99% |
| Q4 2023 | 12.48% | 12.48% | 13.42% | 8.71% | 0.86% |
| Q1 2024 | 12.10% | 12.10% | 13.04% | 8.61% | 0.73% |
| Q2 2024 | 11.90% | 11.90% | 12.83% | 8.49% | 0.80% |
| Q3 2024 | 11.52% | 11.52% | 12.39% | 8.35% | 0.74% |
| Q4 2024 | 11.53% | 11.53% | 12.43% | 8.36% | 0.88% |
| Q1 2025 | 12.08% | 12.08% | 12.99% | 8.59% | 0.90% |
| Q2 2025 | 12.18% | 12.18% | 13.10% | 8.83% | 1.11% |
| Q3 2025 | 12.27% | 12.27% | 13.17% | 8.63% | 1.07% |
| Q4 2025 | 11.20% | 11.20% | 12.08% | 8.45% | 0.99% |
| Q1 2026 | 11.36% | 11.36% | 12.24% | 8.62% | 1.05% |
| Q2 2026 | 11.49% | 11.49% | 12.39% | 8.93% | 1.14% |
Isabella Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Isabella Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Isabella Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1005) · FFIEC NIC profile (RSSD 74140)