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First National vs Isabella Bank: FXNC and ISBA compared
First National is the larger company: $24.0M of revenue in its latest quarter (Q2 2026) against $23.9M for Isabella Bank (Q3 2026). Isabella Bank is growing faster (+17% against +7% a year earlier). Isabella Bank is more profitable, with an operating margin of 34.4% against 29.7%.
Where the money goes: FXNC and ISBA
First National (FXNC) · Q2 2026
First National, Q2 2026: revenue $24.0M (+7% year over year), operating margin 29.7%, net earnings $5.7M, operating cash flow $6.9M. The chart follows the revenue to costs, profit and cash.
Isabella Bank (ISBA) · Q3 2026
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 follows the revenue to costs, profit and cash.
| First National (FXNC) | Isabella Bank (ISBA) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q3 2026 |
| Revenue | $24.0M | $23.9M |
| Revenue growth, Y/Y | +7% | +17% |
| Operating margin | 29.7% | 34.4% |
| Net earnings | $5.7M | $6.6M |
| Net margin | 23.9% | 27.6% |
| Operating cash flow | $6.9M | $5.4M |
| Free cash flow | $6.5M | $4.9M |
Where the revenue comes from
Isabella Bank
- Net interest income: $19.4M (81%)
- Noninterest income: $4.6M (19%)
Questions
Which is bigger, First National or Isabella Bank?
First National is the larger company: $24.0M of revenue in its latest quarter (Q2 2026) against $23.9M for Isabella Bank (Q3 2026).
Is First National or Isabella Bank growing faster?
Isabella Bank is growing faster (+17% against +7% a year earlier).
Which is more profitable, First National or Isabella Bank?
Isabella Bank is more profitable, with an operating margin of 34.4% against 29.7%.
More: First National earnings · how First National makes money · Isabella Bank earnings · how Isabella Bank makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 13, 2026; 10-Q filed Oct 30, 2026). Fiscal quarters can end on different dates. Not investment advice.