TellerScore

Isabella Bank is a state-chartered bank (fed member) headquartered in Mount Pleasant, Michigan, in business for about 123 years. At the end of Q2 2026 it reported $2.2B in total assets and $1.8B in deposits, with 32 offices.

Based on its Q2 2026 filing, Isabella Bank scores 62/100, which we describe as moderate. That is higher than only 27% of 897 banks with $1 billion – $10 billion. Among 72 banks headquartered in Michigan, it ranks 49th. Its strongest component is problem-loan coverage (92/100; 3.8%), and its lowest is capital cushion (39/100; 8.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.93%
Loan quality84/100
Noncurrent loans ÷ total loans: 0.49%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 85.4% · 36.5% uninsured
Problem-loan coverage92/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.81%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (66 → 62), mostly because the loan quality component weakened by 13 points.

TellerScore
626466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202464
Q4 202464
Q1 202566
Q2 202566
Q3 202565
Q4 202563
Q1 202664
Q2 202662
Tier 1 leverage ratio
5.00%6.97%8.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.49%
Q3 20248.35%
Q4 20248.36%
Q1 20258.59%
Q2 20258.83%
Q3 20258.63%
Q4 20258.45%
Q1 20268.62%
Q2 20268.93%
Noncurrent loans
0.01%0.25%0.49%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.07%
Q3 20240.04%
Q4 20240.02%
Q1 20250.01%
Q2 20250.09%
Q3 20250.24%
Q4 20250.30%
Q1 20260.28%
Q2 20260.49%
Return on assets
0.77%0.93%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.77%
Q4 20240.80%
Q1 20250.91%
Q2 20251.00%
Q3 20251.03%
Q4 20251.02%
Q1 20261.05%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$2.2B8.93%0.49%1.10%85.4%
Q1 202664$2.2B8.62%0.28%1.05%81.7%
Q4 202563$2.2B8.45%0.30%1.02%82.3%
Q3 202565$2.2B8.63%0.24%1.03%72.8%
Q2 202566$2.1B8.83%0.09%1.00%73.7%
Q1 202566$2.1B8.59%0.01%0.91%74.0%
Q4 202464$2.0B8.36%0.02%0.80%79.2%
Q3 202464$2.1B8.35%0.04%0.77%77.8%
Q2 202464$2.0B8.49%0.07%0.78%78.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.93%
11th
Total risk-based capital12.39%
36th
Problem loans0.49%
52nd
Net charge-offs0.08%
35th
Return on assets1.10%
37th
Net interest margin3.47%
35th
Efficiency ratio64.2%
34th
Loans to deposits85.4%
54th
Uninsured deposits36.5%
36th
Loan-loss reserves0.91%
22nd
Texas ratio3.8%
47th

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Southern Michigan Bank & TrustBank Coldwater, MI56 out of 100, Moderate$1.7B9.0%0.92%vs
The Dart BankBank Mason, MI46 out of 100, Below average$1.5B8.6%1.75%vs
County National BankBank Hillsdale, MI41 out of 100, Below average$1.4B9.3%2.62%vs
First State BankBank Eastpointe, MI63 out of 100, Moderate$1.3B10.0%0.81%vs
University BankBank Ann Arbor, MI60 out of 100, Moderate$1.2B10.1%0.41%vs
West Michigan Community BankBank Hudsonville, MI53 out of 100, Below average$1.2B9.2%1.40%vs

Deposit insurance

Is my money safe at Isabella Bank?

Yes. Isabella Bank is an FDIC-insured institution (FDIC certificate #1005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 36.5% of deposits ($673.9M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.39% (benchmark: 10%).

Check how much of your own balance is covered

32 locations

Branches

Isabella Bank lists 27 offices in 19 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Isabella Bank reported 1,055 home-loan applications under HMDA (LEI 549300XYX207IABFXL60): 779 originated ($172,535,000 total), 154 denied, and 114 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Isabella Bank
Former names
Isabella County State Bank; Isabella Bank and Trust
Type
State-chartered bank (Fed member)
FDIC certificate #
1005
RSSD ID
74140
Primary regulator
FED
Holding company
Isabella Bank Corp
Established
July 1, 1903
Headquarters
139 E Broadway St, Mount Pleasant, MI 48858
Employees
373

Quick answers

Isabella Bank: common questions

Is Isabella Bank FDIC insured?

Yes. Isabella Bank is an FDIC-insured institution (FDIC certificate #1005). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Isabella Bank's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Isabella Bank ever failed?

There is no failure record for FDIC certificate #1005 in the FDIC failed bank list.

How many branches does Isabella Bank have?

32 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Mount Pleasant

InstitutionScoreAssetsCapitalProblem loansCompare
Montcalm Public Employees Credit UnionCredit union Edmore, MI84 out of 100, Strong$26.9M16.9%1.19%vs
Commercial BankBank Ithaca, MI75 out of 100, Strong$552.7M10.9%0.39%vs
River Valley Credit UnionCredit union Ada, MI74 out of 100, Strong$124.0M12.1%0.63%vs
Mercantile BankBank Grand Rapids, MI73 out of 100, Strong$6.2B11.6%0.10%vs
Graco Federal Credit UnionCredit union Alma, MI72 out of 100, Strong$38.2M9.7%0.58%vs
Gratiot Community Credit UnionCredit union Alma, MI71 out of 100, Strong$59.7M9.1%0.32%vs