ISABELLA BANK CORP
For the period ended Dec 31, 2025. Filed Mar 13, 2026.
View on SEC.govAbout this filing
A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Mar 13, 2026
ISBA$40.70-1.1%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Item 15. Exhibit and Financial Statement Schedules
| (a) | (1) | Financial Statements: The following documents are filed as part of Item 8 of this report: |
|---|---|---|
| Report of Independent Registered Public Accounting Firm, Plante & Moran, PLLC (PCAOB ID: 166) | ||
| Report of Independent Registered Public Accounting Firm, Rehmann Robson LLC (PCAOB ID: 263) | ||
| Consolidated Balance Sheets | ||
| Consolidated Statements of Income | ||
| Consolidated Statements of Comprehensive Income (Loss) | ||
| Consolidated Statements of Changes in Shareholders’ Equity | ||
| Consolidated Statements of Cash Flows | ||
| Notes to Consolidated Financial Statements | ||
| (2) | Financial Statement Schedules: All schedules are omitted because they are neither applicable nor required, or because the required information is included in the consolidated financial statements or related notes. | |
| (3) | See the exhibits listed below under Item 15(b): | |
| (b) | The following exhibits required by Item 601 of Regulation S-K are filed as part of this report: | |
| 3.1 | Amended Articles of Incorporation (1) | |
| 3.2 | Amendment to the Articles of Incorporation (2) | |
| 3.3 | Amendment to the Articles of Incorporation (3) | |
| 3.4 | Amendment to the Articles of Incorporation (4) | |
| 3.5 | Amendment to the Articles of Incorporation (5) | |
| 3.6 | Second Amended and Restated Bylaws, as amended on September 24, 2025 (6) | |
| 4.1 | Indenture, dated June 2, 2021, by and between Isabella Bank Corporation and UMB Bank, National Association, as trustee (7) | |
| 4.2 | Form of 3.25% Fixed to Floating Rate Subordinated Note due 2031 (8) | |
| 10.1 | Isabella Bank Corporation and Related Companies Deferred Compensation Plan for Directors* (9) | |
| 10.2 | Isabella Bank Corporation Retirement Bonus Plan* (10) | |
| 10.3 | Isabella Bank Corporation Split Dollar Plan* (11) | |
| 10.4 | Second Amended and Restated Isabella Bank Corporation Supplemental Executive Retirement Plan, as amended on January 1, 2025* (12) | |
| 10.5 | Isabella Bank Corporation Restricted Stock Plan* (13) | |
| 10.6 | Isabella Bank Corporation Executive Cash Incentive Plan* (14) | |
| 10.7 | Isabella Bank Corporation Executive Clawback Policy* (15) | |
| 10.8 | Form of Subordinated Note Purchase Agreement, dated as of June 2, 2021, by and among the Corporation and the several Purchasers (16) | |
| 10.9 | Form of Registration Rights Agreement, dated as of June 2, 2021, by and among the Corporation and the several Purchasers (17) | |
| 19 | Isabella Bank Corporation Directors and Executive Officers Operating Policy on Trading in ISBA Common Stock (18) | |
| 21 | Subsidiaries of the Registrant | |
| 23.1 | Consent of Rehmann Robson LLC, Independent Registered Public Accounting Firm | |
| 23.2 | Consent of Plante & Moran, PLLC, Independent Registered Public Accounting Firm | |
| 31.1 | Certification pursuant to section 302 of the Sarbanes-Oxley Act of 2002 by the Chief Executive Officer | |
| 31.2 | Certification pursuant to section 302 of the Sarbanes-Oxley Act of 2002 by the Chief Financial Officer | |
| 32 | Section 1350 Certification of Chief Executive Officer and Chief Financial Officer | |
| 101.INS | XBRL Interactive Data File** |
|---|---|
| 101.SCH | XBRL Interactive Data File** |
| 101.CAL | XBRL Interactive Data File** |
| 101.LAB | XBRL Interactive Data File** |
| 101.PRE | XBRL Interactive Data File** |
| 101.DEF | XBRL Interactive Data File** |
| 104 | Cover Page Interactive Data File |
| * | Management Contract or Compensatory Plan or Arrangement. |
| ** | As provided by Rule 406T in Regulation S-T, this information is furnished and not filed for purposes of Sections 11 and 12 of the Securities Act of 1933 and Section 18 of the Exchange Act |
| (1) | Previously filed as Exhibit 3(d) to of the Corporation’s Annual Report on Form 10-K filed with the SEC on March 27, 2001, and incorporated herein by reference. |
| (2) | Previously filed as an Exhibit to the Isabella Bank Corporation Form 10-K, filed March 26, 1994, and incorporated herein by reference. |
| (3) | Previously filed as an Exhibit to Isabella Bank Corporation Form 10-K, filed March 22, 2000, and incorporated herein by reference. |
| (4) | Previously filed as Exhibit 3(d) to of the Corporation’s Annual Report on Form 10-K filed with the SEC on March 27, 2001, and incorporated herein by reference. |
| (5) | Previously filed as Exhibit 3.1 of the Corporation’s Current Report on Form 8-K filed with the SEC on May 16, 2008, and incorporated herein by reference. |
| (6) | Previously filed as Exhibit 3.1 of the Corporation’s Current Report on Form 8-K filed with the SEC on September 30, 2025, and incorporated herein by reference. |
| (7) | Previously filed as Exhibit 4.1 to the Corporation’s Current Report on Form 8-K filed with the SEC on June 2, 2021, and incorporated herein by reference. |
| (8) | Included as Exhibit A-1 to the Indenture incorporated herein by reference as Exhibit 4.1 hereto. |
| (9) | Previously filed as Exhibit 10.1 of the Corporation’s Current Report on Form 8-K filed with the SEC on March 13, 2019, and incorporated herein by reference. |
| (10) | Previously filed as Exhibit 10.1 of the Corporation’s Current Report on Form 8-K filed with the SEC on December 19, 2008, and incorporated herein by reference. |
| (11) | Previously filed as Exhibit 10.1 of the Corporation’s Current Report on Form 8-K filed with the SEC on March 31, 2015, and incorporated herein by reference. |
| (12) | Previously filed as Exhibit 10.2 of the Corporation’s Current Report on Form 8-K filed with the SEC on April 7, 2025, and incorporated herein by reference. |
| (13) | Previously filed as Exhibit 10.6 of the Corporation’s Current Report on Form 8-K filed with the SEC on April 1, 2024, and incorporated herein by reference. |
| (14) | Previously filed as Exhibit 10.5 of the Corporation’s Current Report Form 8-K filed with the SEC on April 1, 2024, and incorporated herein by reference. |
| (15) | Previously filed as Exhibit 10.1 to the Corporation’s Current Report on Form 8-K filed with the SEC on April 1, 2024, and incorporated herein by reference. |
| (16) | Previously filed as Exhibit 10.1 to the Corporation’s Current Report on Form 8-K filed with the SEC on June 2, 2021, and incorporated herein by reference. |
| (17) | Previously filed as an Exhibit 10.2 to the Corporation’s Current Report on Form 8-K filed with the SEC on June 2, 2021, and incorporated herein by reference. |
| (18) | Previously filed as an Exhibit 19 to the Corporation’s Annual Report on Form 10-K filed with the SEC on March 13, 2025, and incorporated herein by reference. |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.