| Metric | Isabella Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +5.5% | -2.5 pts |
| Deposit growth (YoY) | -1.8% | +5.1% | -6.8 pts |
| Loan growth (YoY) | +13.8% | +5.9% | +7.9 pts |
| ROA | 1.10% | 1.26% | -0.2 pts |
| ROE | 13.0% | 12.2% | +0.8 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.17B | $1.85B | $1.58B | $190.0M | $11.9M | 1.10% | 3.47% | 0.36% |
| Q1 2026 | $2.20B | $1.89B | $1.55B | $184.0M | $5.8M | 1.05% | 3.34% | 0.20% |
| Q4 2025 | $2.16B | $1.85B | $1.52B | $178.8M | $21.5M | 1.02% | 3.21% | 0.23% |
| Q3 2025 | $2.21B | $1.95B | $1.42B | $181.6M | $16.2M | 1.03% | 3.16% | 0.18% |
| Q2 2025 | $2.11B | $1.88B | $1.38B | $172.3M | $10.4M | 1.00% | 3.12% | 0.09% |
| Q1 2025 | $2.05B | $1.83B | $1.36B | $164.0M | $4.6M | 0.91% | 3.08% | 0.04% |
| Q4 2024 | $2.04B | $1.78B | $1.41B | $155.9M | $16.3M | 0.80% | 2.99% | 0.04% |
| Q3 2024 | $2.06B | $1.82B | $1.41B | $160.4M | $11.7M | 0.77% | 2.96% | 0.06% |
Loan mix (Q2 2026): real estate $1.21B · commercial $177.0M · consumer $62.1M · securities $439.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Isabella Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.26% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 59.0% | 66th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Isabella Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Isabella Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Isabella Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Isabella Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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