Isabella Bank: how it compares with its peers
Against 9 MI banks with half to twice its assets, Isabella Bank's strongest measure in Q2 2026 is return on assets (1.10% vs. a 1.24% peer median). Its weakest relative measure is net interest margin (3.47% vs. 4.03%).
| Measure | Isabella Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.24% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.47% | 4.03% | Bottom third Ahead of 0% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.17% | 62.82% | Middle third Ahead of 44% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $7.3M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.38% | 92.61% | Context |
What it means for lending operations
Its efficiency ratio of 64.17% is above the 62.82% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Southern Michigan Bank & Trust Coldwater, MI · $1.68B
- The Dart Bank Mason, MI · $1.47B
- County National Bank Hillsdale, MI · $1.36B
- First State Bank Eastpointe, MI · $1.35B
- University Bank Ann Arbor, MI · $1.24B
- West Michigan Community Bank Hudsonville, MI · $1.21B
Questions about Isabella Bank
How big is Isabella Bank?
Isabella Bank, established in 1903, is headquartered in Mount Pleasant, MI. It reported $2.17B in total assets in its Q2 2026 FDIC call report and operates 32 offices.
What is Isabella Bank's return on assets?
1.10% annualized in Q2 2026, against a 1.24% median for 9 MI banks with half to twice its assets, ahead of 44% of them.
What is Isabella Bank's efficiency ratio?
64.17% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 62.82%, and lower is better.
Is Isabella Bank growing its loans?
Net loans grew 13.8% over the year to Q2 2026, while deposits shrank 1.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.