Isabella Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.25 percentage points in Q2 2026 to 3.57%, the biggest move on this page. Within Michigan, Isabella Bank is 56th of 72 on net interest margin, 3.57% as of Q2 2026, below the middle of the field. Isabella Bank reported 3.57% on net interest margin for Q2 2026, 0.14 points below the 3.71% median for banks in the $1B-10B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.11% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.61% |
| Cost of interest-bearing deposits | 1.89% |
| Cost of interest-bearing liabilities | 2.02% |
| Cost of borrowings | 3.50% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.57% |
| Yield to cost spread | 3.09% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $22.6M |
| Total interest expense | $7.9M |
| Interest expense on deposits | $6.9M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.29% | 1.31% | 3.05% |
| Q4 2023 | 4.37% | 1.58% | 2.88% |
| Q1 2024 | 4.44% | 1.72% | 2.80% |
| Q2 2024 | 4.57% | 1.81% | 2.85% |
| Q3 2024 | 4.78% | 1.86% | 3.01% |
| Q4 2024 | 4.76% | 1.82% | 3.03% |
| Q1 2025 | 4.70% | 1.71% | 3.05% |
| Q2 2025 | 4.81% | 1.68% | 3.17% |
| Q3 2025 | 4.87% | 1.71% | 3.21% |
| Q4 2025 | 4.98% | 1.73% | 3.34% |
| Q1 2026 | 4.89% | 1.63% | 3.32% |
| Q2 2026 | 5.11% | 1.61% | 3.57% |
Isabella Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Isabella Bank, freeSource: Call Report Schedules RI and RC-K, 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)