Isabella Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Isabella Bank is an FDIC-insured commercial bank. Total assets stand at $2.2B. Earnings are mid-range, 1.14% ROA and a 3.57% net interest margin. Capital cushions are healthy: 11.49% CET1, 8.93% Tier 1 leverage. Asset quality is solid, 1.13% nonperforming loans and a 9.01% Texas Ratio. Its footprint covers 32 branches concentrated in Michigan.
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 1.13%, a Texas ratio of 9.01%, per financial data filed with the FFIEC.
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)
- Offices
- 32 domestic
- Employees (FTE)
- 373
- Domestic deposits
- $1.85B
- Allowance for credit losses
- $14.5M
- Net charge-offs (YTD)
- $637K
- 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 |
|---|---|---|
| Schwind Jerome E | CEO | President & CEO |
| Ritzert Gerald J | CFO | Chief Financial Officer |
| Ross Erika M | COO | Chief Operations Officer |
| Catlin Jon D | CCO | Chief Credit Officer |
| Prisby Michael P | TREAS | Treasurer |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Isabella Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Isabella 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.49% | 1.14% | 1.13% | 9.01% | 3.57% |
| Q1 2026 | 11.36% | 1.05% | 0.90% | 7.25% | 3.32% |
| Q4 2025 | 11.20% | 0.99% | 0.75% | 6.29% | 3.34% |
| Q3 2025 | 12.27% | 1.07% | 1.39% | 10.69% | 3.21% |
| Q2 2025 | 12.18% | 1.11% | 1.11% | 8.99% | 3.17% |
| Q1 2025 | 12.08% | 0.90% | 0.56% | 4.88% | 3.05% |
| Q4 2024 | 11.53% | 0.88% | 0.77% | 7.04% | 3.03% |
| Q3 2024 | 11.52% | 0.74% | 0.69% | 6.18% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 31 branches →
| 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
What the public regulatory sources show for Isabella Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.6% of deposits in MI, rank 17 of 98 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. 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 Federal Reserve. 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 11.49% in its Q2 2026 call report, above regulatory requirements.
How many branches does Isabella Bank operate?
Isabella Bank operates 32 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?
Isabella Bank's Texas Ratio is 9.01% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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