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

ISBA · Mar 31, 2024

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

Filing0000842517-24-000088Bank
Sequential deposit growth60thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

2.59% · CORE · VALID

Net-income growth0thOwn-history percentile · N=17
Evidence method

Yoy · gp.fundamentals.net_income

-41.16% · CORE · VALID

Interest-expense growth76thOwn-history percentile · N=17
Evidence method

Yoy · gp.financial.interest_expense

150.86% · CORE · VALID

Interest-income growth76thOwn-history percentile · N=17
Evidence method

Yoy · gp.financial.interest_income

14.98% · CORE · VALID

Cash and equivalents5thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$25.2M · CORE · VALID

Sequential loan growth50thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

1.18% · 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
-2.59%
Current
2.59%
Delta
5.18%
Earnings Growth Decreased
Previous
-18.31%
Current
-41.16%
Delta
-22.85%
Funding Cost Growth Decreased
Previous
307.88%
Current
150.86%
Delta
-157.02%
Interest Income Growth Decreased
Previous
21.02%
Current
14.98%
Delta
-6.05%
Liquidity Decreased
Previous
$33.7M
Current
$25.2M
Delta
-$8.5M
Loan Growth Increased
Previous
1.09%
Current
1.18%
Delta
0.09%
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.