Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

ISABELLA BANK

FDIC #1005 · MI · period 20260630

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Total assets1,631,925-4.35% YoY

Total deposits1,177,448-4.42% YoY

Net loans and leases864,030-14.21% YoY

Return on assets0.87%-2.03% YoY

Return on equity10.29%-3.92% YoY

Net interest margin2.77%-0.99% YoY

Peer position

Return on assets37thin line · n=902

Return on equity57thin line · n=894

Net interest margin35thin line · n=902

Equity to assets17thopportunity · n=894

Noncurrent loans52ndin line · n=887

Liquid assets56thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits56thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,631,925	1,177,448	864,030	0.87	10.29	2.77
2016-06-30	1,630,542	1,159,740	913,277	0.89	10.43	2.77
2016-09-30	1,654,769	1,177,390	982,250	0.92	10.64	2.79
2016-12-31	1,677,874	1,196,672	1,005,035	0.94	10.99	2.80
2017-03-31	1,706,121	1,231,907	1,007,188	0.88	10.71	2.80
2017-06-30	1,723,114	1,211,681	1,042,380	0.94	11.34	2.83
2017-09-30	1,737,135	1,217,387	1,071,081	0.93	11.19	2.86
2017-12-31	1,761,016	1,265,840	1,085,378	0.97	11.71	2.86
2018-03-31	1,748,728	1,299,690	1,085,161	0.95	11.64	2.86
2018-06-30	1,784,959	1,278,191	1,144,978	0.93	11.59	2.88
2018-09-30	1,781,114	1,279,518	1,134,640	0.95	11.87	2.90
2018-12-31	1,784,227	1,295,637	1,120,690	0.95	11.92	2.92
2019-03-31	1,752,474	1,281,071	1,136,579	0.89	10.88	2.97
2019-06-30	1,770,761	1,283,750	1,169,956	0.95	11.41	2.97
2019-09-30	1,759,874	1,311,545	1,185,546	0.99	11.69	3.01
2019-12-31	1,763,432	1,315,557	1,179,535	0.98	11.45	3.01
2020-03-31	1,765,482	1,322,587	1,168,467	0.79	8.72	2.92
2020-06-30	1,863,032	1,441,179	1,280,959	0.89	9.88	2.90
2020-09-30	1,921,943	1,496,046	1,298,465	0.92	10.25	2.87
2020-12-31	1,908,060	1,569,399	1,231,306	0.66	7.44	2.92
2021-03-31	1,967,889	1,646,317	1,188,612	1.19	13.88	2.91
2021-06-30	1,982,660	1,664,945	1,198,491	1.11	12.92	2.84
2021-09-30	2,034,090	1,718,584	1,240,281	1.10	12.70	2.85
2021-12-31	1,982,186	1,722,405	1,293,669	1.10	12.64	2.88
2022-03-31	2,011,677	1,774,708	1,210,135	1.07	12.52	2.93
2022-06-30	1,999,214	1,770,012	1,263,116	1.13	13.50	3.09
2022-09-30	2,015,012	1,800,342	1,227,407	1.19	14.61	3.20
2022-12-31	1,981,367	1,753,341	1,254,702	1.24	15.33	3.30
2023-03-31	2,035,352	1,824,202	1,258,181	1.19	14.85	3.34
2023-06-30	1,993,203	1,729,595	1,321,932	1.12	14.23	3.27
2023-09-30	2,069,450	1,789,960	1,322,012	1.07	14.00	3.21
2023-12-31	2,009,789	1,749,223	1,336,355	1.02	13.30	3.14
2024-03-31	2,008,264	1,796,752	1,352,486	0.75	9.69	2.87
2024-06-30	2,011,532	1,754,172	1,369,179	0.78	10.22	2.90
2024-09-30	2,058,301	1,815,520	1,412,152	0.77	10.04	2.96
2024-12-31	2,037,860	1,782,102	1,410,918	0.80	10.47	2.99
2025-03-31	2,054,178	1,830,808	1,355,116	0.91	11.58	3.08
2025-06-30	2,108,242	1,878,183	1,384,592	1.00	12.63	3.12
2025-09-30	2,210,646	1,950,278	1,419,490	1.03	12.80	3.16
2025-12-31	2,161,209	1,850,654	1,523,061	1.02	12.62	3.21
2026-03-31	2,203,614	1,890,688	1,545,289	1.05	12.69	3.34
2026-06-30	2,170,035	1,845,402	1,575,603	1.10	12.97	3.47

Structure and branch footprint

32 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2008-01-01	1	2756749	74140
2008-01-01	1	3105072	74140
2008-01-01	1	3107423	74140
2008-01-01	1	3107441	74140
2007-04-16	1	691145	74140
1982-01-01	1	688846	74140
1970-07-01	1	491840	74140

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.