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

ISBA · Sep 30, 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

Filing0000842517-21-000217Bank
Sequential deposit growth60thOwn-history percentile · N=10
Evidence method

Sequential · gp.financial.deposits

3.41% · CORE · VALID

Net-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.fundamentals.net_income

7.55% · CORE · NOT_ENOUGH_HISTORY

Interest-expense growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_expense

-42.90% · CORE · NOT_ENOUGH_HISTORY

Interest-income growthRAWCurrent state valid · history insufficient
Evidence method

Yoy · gp.financial.interest_income

-3.55% · CORE · NOT_ENOUGH_HISTORY

Cash and equivalents73thOwn-history percentile · N=11
Evidence method

Level · gp.fundamentals.cash

$206.5M · CORE · VALID

Sequential loan growth90thOwn-history percentile · N=10
Evidence method

Sequential · gp.financial.loans

3.52% · 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.

History30 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Increased
Previous
-0.43%
Current
3.41%
Delta
3.84%
Earnings Growth Decreased
Previous
10.37%
Current
7.55%
Delta
-2.81%
Funding Cost Growth Increased
Previous
-45.95%
Current
-42.90%
Delta
3.05%
Interest Income Growth Increased
Previous
-7.74%
Current
-3.55%
Delta
4.19%
Liquidity Decreased
Previous
$248.2M
Current
$206.5M
Delta
-$41.7M
Loan Growth Increased
Previous
0.90%
Current
3.52%
Delta
2.62%
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.