Risk factors

Isabella Bank (ISBA) risk factors

Item 1A of every Isabella Bank Corp. 10-K on file, and what changed from one year to the next.

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  • FY2025 10-K risk factors

    42 risks, 8 new, 1 dropped, 9 reworded since the prior year. Isabella Bank added new risk disclosures around its Nasdaq uplisting, public company compliance, and federal privacy regulations. Liquidity and deposit stability risks were tightened to emphasize elevated interest rates and wholesale borrowing limits.

    Filed Mar 13, 2026
  • FY2024 10-K risk factors

    35 risks. Isabella Bank Corp is exposed heavily to credit risk and loan concentration across eight Michigan counties.

    Filed Mar 12, 2025