[Form 3] Isabella Bank Corporation Common stock Initial Statement of Beneficial Ownership

Rhea-AI Filing Summary

On 07/01/2025, Isabella Bank Corporation (ISBA) insider Michael Kyle Huenemann submitted an SEC Form 3 that records his initial beneficial ownership. Huenemann, who recently assumed the role of Chief Lending Officer, directly holds 1,032.6598 shares of ISBA common stock and reports no derivative securities. The filing, dated 07/10/2025, formally establishes his Section 16(a) reporting obligations and provides investors with a baseline for monitoring any future insider transactions. Although the stake is modest in absolute terms, insider ownership aligns executive incentives with shareholder interests and can be viewed as a governance positive.

Positive

• Insider alignment: Chief Lending Officer directly owns 1,032.6598 ISBA shares, indicating personal financial stake in the company.

Negative

• None.

Insights

Financial Analyst

TL;DR: New officer discloses direct ownership of 1,033 ISBA shares; governance-positive but financially immaterial to valuation.

The Form 3 shows Chief Lending Officer Michael K. Huenemann holding roughly 1k common shares. That represents a small fraction of ISBA’s outstanding equity, so it has negligible direct valuation impact. However, the disclosure is important for tracking future insider trading patterns. A growing or sustained position could signal management confidence, while sales might raise concerns. For now, it is chiefly a compliance event with a slight governance upside.

Corporate Governance Expert

TL;DR: Initial Form 3 adds transparency; modest stake still strengthens alignment between new lending chief and shareholders.

By filing on time, ISBA meets Section 16 obligations and improves transparency around a key executive. Although the 1,032-share stake is small, insider ownership—even at low levels—supports better incentive alignment and may enhance board & investor confidence. No red flags emerge: there are no indirect holdings, joint filings, or derivative instruments. Overall, this is routine but slightly positive for governance perceptions.

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

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OMB Number:			3235-0104
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1. Name and Address of Reporting Person^*

Huenemann Michael Kyle

(Last) (First) (Middle)

139 E. BROADWAY ST.

(Street)

MT. PLEASANT MI 48858

(City) (State) (Zip)

2. Date of Event Requiring Statement (Month/Day/Year)
07/01/2025

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 Lending 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	1,032.6598	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	07/10/2025
	** 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.

FAQ

What did Isabella Bank Corp (ISBA) file on July 10, 2025?

A Form 3 initial statement of beneficial ownership for Chief Lending Officer Michael K. Huenemann.

How many ISBA common shares does Michael Huenemann own?

He directly owns 1,032.6598 shares of Isabella Bank common stock.

Are any derivative securities disclosed in the Form 3?

No. The filing reports no derivative securities owned by the insider.

Why is Form 3 important to ISBA investors?

It sets a baseline of insider ownership, enabling investors to monitor future purchases or sales for sentiment signals.

What is the event date triggering this Form 3?

The ownership event date is 07/01/2025.