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

ISBA · Mar 31, 2021

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

Filing0000842517-21-000100Bank
Sequential deposit growth88thOwn-history percentile · N=8
Evidence method

Sequential · gp.financial.deposits

4.93% · CORE · VALID

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

76.17% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-50.25% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-5.62% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents100thOwn-history percentile · N=9
Evidence method

Level · gp.fundamentals.cash

$321.6M · CORE · VALID

Sequential loan growth13thOwn-history percentile · N=8
Evidence method

Sequential · gp.financial.loans

-3.41% · CORE · VALID

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
4.76%
Current
4.93%
Delta
0.17%
Earnings Growth Increased
Previous
-16.42%
Current
76.17%
Delta
92.60%
Funding Cost Growth Decreased
Previous
-22.60%
Current
-50.25%
Delta
-27.65%
Interest Income Growth Decreased
Previous
-4.66%
Current
-5.62%
Delta
-0.97%
Liquidity Increased
Previous
$246.6M
Current
$321.6M
Delta
$74.9M
Loan Growth Increased
Previous
-5.04%
Current
-3.41%
Delta
1.63%
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.