ISABELLA BANK CORP
ISBA · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
Insider activity
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.
Records still being gathered — partial as of retrieval Sep 18, 2026.
21 filings were skipped because the SEC primary document returned 404; the omission is disclosed and aggregates are withheld.
Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (9 versus 0). The filing codes alone do not establish that every such row arose from a compensation plan.
Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.
| Insider | Shares owned after | Date | Filing detail | ||||
|---|---|---|---|---|---|---|---|
| Bourland JillDirector | Open-market or private purchase (P)Table I · Acquired · common | 7.6142 | $39.40 | $300 | 5,916.9085 | Sep 16, 2026 | 1 filed lot
|
| Barnes Jeffrey JDirector | Grant, award, or other acquisition (A)Table I · Acquired · common | 242 | $38.55 | $9,329 | 42,785.1161 | Sep 1, 2026 | 1 filed lot
|
| Bourland JillDirector | Grant, award, or other acquisition (A)Table I · Acquired · common | 10 | $38.55 | $386 | 5,909.2943 | Sep 1, 2026 | 1 filed lot
|
| Coffin Melinda MarieDirector | Grant, award, or other acquisition (A)Table I · Acquired · common | 31 | $38.55 | $1,195 | 5,644.0262 | Sep 1, 2026 | 1 filed lot
|
| Opperman Sarah RDirector | Grant, award, or other acquisition (A)Table I · Acquired · common | 46 | $38.55 | $1,773 | 24,586.913 | Sep 1, 2026 | 1 filed lot
|
| Rupp Vicki LDirector | Grant, award, or other acquisition (A)Table I · Acquired · common | 33 | $38.55 | $1,272 | 9,896.4592 | Sep 1, 2026 | 1 filed lot
|
| Sackett Brian RoyDirector | Grant, award, or other acquisition (A)Table I · Acquired · common | 24 | $38.55 | $925 | 4,226.4275 | Sep 1, 2026 | 1 filed lot
|
| Schwind Jerome EDirector, President & CEO | Grant, award, or other acquisition (A)Table I · Acquired · common | 123 | $38.55 | $4,742 | 37,777.9343 | Sep 1, 2026 | 1 filed lot
|
| Tessin Brian BDirector | Grant, award, or other acquisition (A)Table I · Acquired · common | 8 | $38.55 | $308 | 1,070 | Sep 1, 2026 | 1 filed lot
|
| McDonnell Neil MichaelDirector, President | Grant, award, or other acquisition (A)Table I · Acquired · common | 3 | $38.55 | $116 | 12,239.1038 | Sep 1, 2026 | 1 filed lot
|
| Bourland JillDirector | Open-market or private purchase (P)Table I · Acquired · common | 7.2133 | $41.59 | $300 | 5,899.2943 | Aug 17, 2026 | 1 filed lot
|
Source-event as of . Retrieved .
Visual explainers
The filing-backed explainer service is temporarily unavailable, so no partial or guessed chart is shown.
What the financial-sector model scores (bank)
Median ROE 7.2% on average equity, above the 10% hurdle in 11% of 9 years.
Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.
Profitable in 100% of 10 years, ROE steady.
Net interest income is 2.69% of average assets, very steady over 9 years through FY2025.
Not scored for this company
- Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
- Underwriting applies to insurance carriers; not part of the bank model.
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
Fundamentals
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
Financial-sector score history
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 57 | |
| Jul 26, 2026 | 55 | |
| Jul 26, 2026 | 55 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.