Isabella Bank Corp (NASDAQ: ISBA)

Isabella Bank Corporation is a registered financial holding company that owns Isabella Bank, a community bank focused on delivering personalized service at a fair price. The bank operates 31 offices located throughout Bay, Clare, Gratiot, Isabella, Mecosta, Midland, Montcalm and Saginaw counties in central Michigan. Its service area includes significant agricultural production, manufacturing, retail, gaming and tourism activity as well as several colleges and universities. As a financial holding company under the Bank Holding Company Act, Isabella Bank Corporation is subject to Federal Reserve supervision and may engage in activities permissible for such entities.

The corporation generates revenue primarily from interest income on a broad loan portfolio that consists of commercial loans, agricultural loans, real estate loans, residential mortgages and consumer loans. Fee based revenue is derived from deposit services including checking accounts, savings accounts, certificates of deposit, direct deposit, cash management, mobile and internet banking and ATM usage. Isabella Bank also offers full service investment management, trust and estate services that produce additional noninterest income. The bank follows a lending philosophy that limits concentrations to individual borrowers and business segments, avoids leveraged buyout financing, holds no foreign corporate or government loans and maintains only limited holdings of corporate debt securities.

Isabella Bank Corporation competes in a highly competitive banking environment that includes local community banks, larger regional and national institutions, credit unions, mortgage brokers, finance companies, retail brokerage firms and financial technology companies. Its competitive advantages stem from a relationship based approach, local decision making and a deep understanding of the communities it serves. The bank maintains strong capital ratios that exceed well capitalized requirements and also satisfy the capital conservation buffer, providing a buffer against economic stress. These financial strengths support its ability to continue lending and serving customers even during challenging periods.

The bank serves a diverse mix of customers that includes small and mid size businesses, agricultural producers, manufacturers, retailers, gaming and tourism operators, colleges and universities, as well as individual consumers and their families. Deposit relationships range from personal checking and savings accounts to business cash management solutions. Loan relationships cover working capital lines, equipment financing, commercial mortgages, residential home loans and various consumer credit products. With 31 branches and 362 full time equivalent employees as of December 31 2025, Isabella Bank is able to deliver localized service across its geographic footprint.