Isabella Bank (ISBA) Q4 2025 earnings summary

Executive summary

• Net income for Q4 2025 was $4.7M ($0.64/diluted share), up from $4.0M ($0.54/diluted share) in Q4 2024; full-year 2025 net income was $18.9M ($2.56/diluted share), up from $13.9M ($1.86/diluted share) in 2024.

• Loans (excluding advances to mortgage brokers) grew $99M (7%) year-over-year; total deposits increased $73M (4%).

• Wealth management assets under management rose $49M (7%) to $707M.

• Uplisted stock to Nasdaq in May 2025, resulting in significant volume and price growth.

Financial highlights

• Net interest income for Q4 2025 was $16.7M (NIM 3.28%), up from $14.6M (NIM 2.98%) in Q4 2024.

• Full-year net interest income was $62.5M (NIM 3.16%), up from $55.8M (NIM 2.90%) in 2024.

• Noninterest income for 2025 was $16.0M, up from $14.6M in 2024, driven by higher BOLI earnings, service charges, and wealth management fees.

• Noninterest expenses for 2025 were $55.0M, up $2.8M year-over-year, mainly due to higher compensation, benefits, and professional services.

• Total assets at year-end were $2.2B, up $123.2M from 2024, with loans at $1.54B and deposits at $1.82B.

Outlook and guidance

• Management highlighted ongoing initiatives to strengthen noninterest income and attract new customers.

• Strong financial results and stock performance position the company well for 2026.