Filing Flows › Isabella Bank (ISBA) › Q3 2026 › vs Q3 2025
Isabella Bank (ISBA) Q3 2026 vs Q3 2025 (year over year)
Isabella Bank's revenue rose $3.5M (+17%) from $20.5M in Q3 2025 to $23.9M in Q3 2026. The biggest changes: Net interest income +$3.2M (+20%); Noninterest income +$258K (+6%). Operating margin 34.4% against 30.7% (+3.8 pts).
Isabella Bank, Q3 2026: revenue $23.9M (+17% year over year), operating margin 34.4%, net earnings $6.6M, operating cash flow $5.4M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 34.4% | 30.7% | +3.8 pts |
| Net margin | 27.6% | 25.6% | +2.0 pts |
| Free cash flow margin | 20.3% | 3.3% | +17.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $19.4M | $16.2M | $3.2M | +20% |
| Noninterest income | $4.6M | $4.3M | $258K | +6% |
| Revenue | $23.9M | $20.5M | $3.5M | +17% |
| Operating profit | $8.2M | $6.3M | $2.0M | +31% |
| Costs & expenses | $15.7M | $14.2M | $1.5M | +11% |
| Pre-tax earnings | $8.2M | $6.3M | $2.0M | +31% |
| Credit loss provision | $50K | $209K | −$159K | -76% |
| Noninterest expense | $15.6M | $14.0M | $1.7M | +12% |
| Net earnings | $6.6M | $5.2M | $1.4M | +26% |
| Income tax | $1.6M | $1.0M | $600K | +58% |
| Depreciation | $586K | $529K | $57K | +11% |
| Share-based compensation | $48K | $56K | −$8K | -14% |
| Working capital & other | $1.8M | $4.1M | −$2.3M | -56% |
| Operating cash flow | $5.4M | $1.7M | $3.7M | +220% |
| Free cash flow (OCF − capex) | $4.9M | $674K | $4.2M | +621% |
| Capital expenditures | $550K | $1.0M | −$467K | -46% |
Questions
How much did Isabella Bank's revenue grow year over year in Q3 2026?
Isabella Bank's revenue rose $3.5M (+17%) from $20.5M in Q3 2025 to $23.9M in Q3 2026.
What drove Isabella Bank's revenue change in Q3 2026?
Net interest income +$3.2M (+20%); Noninterest income +$258K (+6%).