B
Isabella Bank
Rating Date
March 2026
Risk Based
Capital Ratio
12.08
Leverage
Ratio
8.45
Return On
Assets
1.02%
Total
Assets
2.16B
Capital
178.79M
Total
Deposits
1.85B
Net
Income
21.53M
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Weiss Ratings Isabella Bank
Mount Pleasant, MI 		Click to
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Rating B
Asset Quality Index 7.30
Capitalization Index 6.40
Liquidity Index 2.90
Profitability Index 4.80
Stability Index 7.20
Company Info Isabella Bank
Mount Pleasant, MI 		Click to
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FDIC Number 1005
Phone Number (989) 772-9471
Website www.isabellabank.com
Asset Quality Isabella Bank
Mount Pleasant, MI 		Click to
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1-Year Asset Growth 6.05%
5-Year Asset Growth 2.65%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans -0.10%
Non-Performing Assets to Assets 0.55%
Non-Performing Loans to Capital 4.10%
Non-Performing Loans to Loans 0.75%
Balance Sheet Isabella Bank
Mount Pleasant, MI 		Click to
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Total Assets 2.16B
Total Deposits 1.85B
Capital and Reserves Isabella Bank
Mount Pleasant, MI 		Click to
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Capital 178.79M
Leverage Ratio 8.45
Loan Loss Reserves to Loans 0.89%
Risk-Based Capital Ratio 12.08
Liquidity Isabella Bank
Mount Pleasant, MI 		Click to
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Hot Money Ratio 14.48%
Liquidity Ratio 16.99%
Profitability Isabella Bank
Mount Pleasant, MI 		Click to
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5-Year Return on Average Assets 0.96%
Net Income 21.53M
Net Interest Spread 3.20%
Operating Profit to Average Assets 1.30%
Overhead Efficiency Ratio 66.52%
Return on Assets 1.02%
Return on Equity 12.57%