GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

ISBA · Dec 31, 2020

ISABELLA BANK CORP. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0000842517-21-000069Bank
Sequential deposit growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.deposits

4.76% · CORE · NOT_ENOUGH_HISTORY

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

-16.42% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-22.60% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-4.66% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents100thOwn-history percentile · N=8
Evidence method

Level · gp.fundamentals.cash

$246.6M · CORE · VALID

Sequential loan growthRAWCurrent state valid · history insufficient
Evidence method

Sequential · gp.financial.loans

-5.04% · CORE · NOT_ENOUGH_HISTORY

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History16 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Increased
Previous
3.78%
Current
4.76%
Delta
0.99%
Earnings Growth Decreased
Previous
-1.91%
Current
-16.42%
Delta
-14.51%
Funding Cost Growth Increased
Previous
-29.60%
Current
-22.60%
Delta
7.01%
Interest Income Growth Increased
Previous
-8.51%
Current
-4.66%
Delta
3.86%
Liquidity Increased
Previous
$165.7M
Current
$246.6M
Delta
$80.9M
Loan Growth Decreased
Previous
1.43%
Current
-5.04%
Delta
-6.48%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.