B
Isabella Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Isabella Bank
Mount Pleasant, MI
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Rating B
Asset Quality Index 7.00
Capitalization Index 6.60
Liquidity Index 3.50
Profitability Index 4.80
Stability Index 7.20
Company Info Isabella Bank
Mount Pleasant, MI
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FDIC Number 1005
Phone Number (989) 772-9471
Website www.isabellabank.com
Asset Quality Isabella Bank
Mount Pleasant, MI
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1-Year Asset Growth 7.40%
5-Year Asset Growth 3.11%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans -0.14%
Non-Performing Assets to Assets 0.92%
Non-Performing Loans to Capital 5.82%
Non-Performing Loans to Loans 1.39%
Balance Sheet Isabella Bank
Mount Pleasant, MI
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Total Assets 2.21B
Total Deposits 1.95B
Capital and Reserves Isabella Bank
Mount Pleasant, MI
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Capital 181.55M
Leverage Ratio 8.63
Loan Loss Reserves to Loans 0.92%
Risk-Based Capital Ratio 13.17
Liquidity Isabella Bank
Mount Pleasant, MI
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Hot Money Ratio 13.40%
Liquidity Ratio 24.00%
Profitability Isabella Bank
Mount Pleasant, MI
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5-Year Return on Average Assets 0.96%
Net Income 16.17M
Net Interest Spread 3.15%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 67.98%
Return on Assets 1.03%
Return on Equity 12.81%