ISABELLA BANK COO reports 1,042 ISBA shares

ISABELLA BANK CORP executive Erika M. Ross, the Chief Operations Officer, filed an initial ownership report showing beneficial ownership of 1,042.2049 shares of common stock held directly.

Rhea-AI Filing Summary

ISABELLA BANK CORP executive Erika M. Ross, the Chief Operations Officer, filed an initial ownership report showing beneficial ownership of 1,042.2049 shares of common stock held directly. This Form 3 reflects her starting equity position as an officer and does not report any specific buy or sell transactions.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Ross Erika M

Role Chief Operations Officer

Type	Security	Shares	Price	Value
holding	common	--	--	--

Holdings After Transaction: common — 1,042.2049 shares (Direct)

Key Figures

Common shares owned: 1,042.2049 shares

1 metrics

Common shares owned 1,042.2049 shares Directly owned common stock reported on Form 3

Key Terms

Chief Operations Officer, common, beneficial ownership

3 terms

Chief Operations Officer financial

"officer_title": "Chief Operations Officer""

common financial

"security_title": "common""

beneficial ownership financial

"initial ownership report showing beneficial ownership of 1,042.2049 shares"

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does Erika M. Ross’s Form 3 filing for ISBA show?

The Form 3 shows that Erika M. Ross, Chief Operations Officer of ISABELLA BANK CORP, initially reports ownership of 1,042.2049 shares of common stock held directly. This establishes her baseline equity position as an officer at the time of reporting.

Did Erika M. Ross buy or sell ISBA shares in this Form 3?

The filing does not report any explicit purchases or sales. It records a holding entry, listing 1,042.2049 ISABELLA BANK CORP common shares as directly owned, consistent with a standard initial statement of beneficial ownership on becoming a reporting insider.

How many ISABELLA BANK CORP (ISBA) shares does Erika M. Ross own?

Erika M. Ross reports beneficial ownership of 1,042.2049 shares of ISABELLA BANK CORP common stock. These shares are listed as held directly, providing a clear snapshot of her equity stake as Chief Operations Officer at the time of the Form 3 filing.

What is the ownership type reported for Erika M. Ross in ISBA stock?

The Form 3 indicates that Erika M. Ross’s 1,042.2049 ISABELLA BANK CORP common shares are held with direct ownership. Direct ownership means the shares are attributed personally to her, rather than through an indirect entity such as a trust or partnership.

Does Erika M. Ross hold any derivative securities of ISBA in this filing?

The filing shows no derivative securities for Erika M. Ross. The derivative section is empty, and the only reported holding is 1,042.2049 shares of ISABELLA BANK CORP common stock, emphasizing a straightforward, non-derivative equity position at this time.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 07/08/2026 - 05:08 PM EDT Learn about SEC filing dates

SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Ross Erika M

(Last) (First) (Middle)

139 E. BROADWAY ST

(Street)

MOUNT PLEASANT MICHIGAN 48858

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
07/01/2026

3. Issuer Name and Ticker or Trading Symbol
ISABELLA BANK CORP [ ISBA ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Operations Officer

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
common	1,042.2049	D

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

Remarks:

	/s/ Jennifer L. Gill, By Power of Attorney	07/08/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)