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Isabella Bank
Mount Pleasant, MI · FDIC Certificate #1005 · Chartered 07/0
Total assets
$2.17B
Total deposits
$1.85B
Total equity
$190.01M
Net loans
$1.58B
Branches (offices)
31
Net income (YTD)
$11.95M
Rank: #571 of 4,213 U.S. banks by assets · #8 of 72 in Michigan. Assets changed 2.9% and deposits -1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.10% |
| Return on equity | 12.97% |
| Net interest margin (YTD) | 3.47% |
| Equity to assets | 8.76% |
| Tier 1 leverage ratio | 8.93% |
| Uninsured deposits (share of deposits) | 36.5% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 85.4% |
| Real estate loans (share of loans) | 76.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.21B | 76.8% | |
| Commercial & industrial | $176.99M | 11.2% | |
| Consumer / individual | $62.13M | 3.9% | |
| Construction & development | $132.88M | 8.4% | |
| Agricultural | $28.71M | 1.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.00B | $1.77B | $11.31M | $160.66M |
| Jun 2023 | $1.99B | $1.73B | $11.25M | $153.86M |
| Jun 2024 | $2.01B | $1.75B | $7.85M | $151.23M |
| Jun 2025 | $2.11B | $1.88B | $10.36M | $172.26M |
| Jun 2026 | $2.17B | $1.85B | $11.95M | $190.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $1.85B | 31 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.85B.
Similar-sized banks
Kennebunk Savings Bank ($2.17B) · Cfbank, National Association ($2.17B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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