Isabella Bank (FDIC #1005): Bank Stress & Real-Estate Credit Exposure

Isabella Bank (FDIC Cert #1005): bank stress 73/100, elevated, STABLE over 7 days; parent ISABELLA BANK CORP (ISBA).

Isabella Bank (#1005) lends in 8 counties across 1 state; Isabella Bank (#1005) reaches 107 ZIP codes: Michigan 8 counties, 107 ZIPs.

Isabella Bank (#1005) largest markets: Saginaw County, MI (140 branches, 28 ZIPs) (#1005), Montcalm County, MI (75 branches, 25 ZIPs) (#1005), Gratiot County, MI (42 branches, 21 ZIPs) (#1005), Mecosta County, MI (85 branches, 17 ZIPs) (#1005), Bay County, MI (17 branches, 17 ZIPs) (#1005), Midland County, MI (32 branches, 16 ZIPs) (#1005).

Isabella Bank (#1005) reports $2.17 billion in total assets; Isabella Bank (#1005) equity $190.0 million (8.8% of Isabella Bank (#1005) assets); Isabella Bank (#1005) domestic deposits $1.85 billion; Isabella Bank (#1005) net income $11.9 million; Isabella Bank (#1005) return on assets 1.10%; Isabella Bank (#1005) return on equity 12.97%; Isabella Bank (#1005) net interest income $35.4 million; Isabella Bank (#1005) call report June 30, 2026.

Isabella Bank (#1005) noncurrent real-estate loans 0.05% of its book; Isabella Bank (#1005) residential 0.06%; Isabella Bank (#1005) net charge-offs on real estate 0.48%; Isabella Bank (#1005) residential charge-offs 0.33%.

Isabella Bank (#1005) net interest margin 3.47% against an eight-quarter Isabella Bank (#1005) average of 3.17% (Isabella Bank (#1005) compression -0.30 points); Isabella Bank (#1005) real-estate loans 5.4% of equity; Isabella Bank (#1005) non-residential real estate 32.6% of equity; Isabella Bank (#1005) rate-exposure score 40/100, Isabella Bank (#1005) fixed-rate trap 40/100; Isabella Bank (#1005) risk type market signal; Isabella Bank (#1005) rate regime rates elevated; Isabella Bank (#1005) shares 33.8% below the 52-week high, Isabella Bank (#1005) equity trend drawdown, Isabella Bank (#1005) snapshot October 19, 2026.

Isabella Bank (#1005) stress score moved from 73.8 on June 22, 2026 to 73 on October 19, 2026; Isabella Bank (#1005) ranged 73 to 73.8 over 116 snapshots.

Isabella Bank (#1005) alerts: 8 counties; top Isabella Bank (#1005) alert scores: Midland County, MI 47 (moderate); Saginaw County, MI 45 (moderate); Bay City County, MI 26 (low); Farwell County, MI 26 (low); Ithaca County, MI 26 (low).