Isabella Bank CFO reports zero ISBA share holdings

Isabella Bank Corp Chief Financial Officer Gerald J. Ritzert filed a Form 3 reporting his beneficial ownership in the company’s stock as of 01/05/2026.

Rhea-AI Filing Summary

Isabella Bank Corp Chief Financial Officer Gerald J. Ritzert filed a Form 3 reporting his beneficial ownership in the company’s stock as of 01/05/2026. The filing shows that he beneficially owns 0 shares of Isabella Bank Corp common stock, held directly.

This type of filing is an initial ownership report required for insiders such as officers and directors, providing transparency into their equity holdings in the company.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Ritzert Gerald J

Role Chief Financial Officer

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

Holdings After Transaction: common — 0 shares (Direct)

FAQ

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

Who is the reporting person in the Isabella Bank Corp (ISBA) Form 3 filing?

The reporting person is Gerald J. Ritzert, who serves as Chief Financial Officer of Isabella Bank Corp.

What insider role does Gerald J. Ritzert hold at Isabella Bank Corp (ISBA)?

Gerald J. Ritzert is an officer of Isabella Bank Corp, with the title Chief Financial Officer.

What did the Isabella Bank Corp (ISBA) Form 3 report about share ownership?

The Form 3 reports that Gerald J. Ritzert beneficially owns 0 shares of Isabella Bank Corp common stock.

How are the reported Isabella Bank Corp (ISBA) shares held by the insider?

The Form 3 shows ownership of Isabella Bank Corp common stock as direct (D), with a total of 0 shares beneficially owned.

Were any derivative securities reported in this Isabella Bank Corp (ISBA) Form 3?

No derivative securities are listed in Table II; only common stock is shown, with 0 shares beneficially owned.

What is the event date referenced in the Isabella Bank Corp (ISBA) Form 3?

The date of the event requiring the statement is 01/05/2026.

Is the Isabella Bank Corp (ISBA) Form 3 filed by more than one reporting person?

No. The Form 3 is indicated as Form filed by One Reporting Person, referring only to Gerald J. Ritzert.

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

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Accepted by SEC EDGAR 01/13/2026 - 11:52 AM EST 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^*

Ritzert Gerald J

(Last) (First) (Middle)

401 N. MAIN ST.

(Street)

MT. PLEASANT MI 48858

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
01/05/2026

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

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

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

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

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	0	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	01/13/2026
	** 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.