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v3.20.4

Minimum Regulatory Capital Requirements (Tables) | 12 Months Ended
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Dec. 31, 2020
Banking and Thrift [Abstract] |
Summary of compliance with regulatory capital requirements | Our actual capital amounts and ratios are also presented in the table.
| Actual |  | Minimum Capital Requirement |  | Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |
Common equity Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |
Isabella Bank | $ | 153,102 |  |  | 12.28 | % |  | $ | 87,273 |  |  | 7.000 | % |  | $ | 81,039 |  |  | 6.50 | %
Consolidated | 162,532 |  |  | 12.97 | % |  | 87,675 |  |  | 7.000 | % |  | N/A |  | N/A
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |
Isabella Bank | 153,102 |  |  | 12.28 | % |  | 105,975 |  |  | 8.500 | % |  | 99,741 |  |  | 8.00 | %
Consolidated | 162,532 |  |  | 12.97 | % |  | 106,462 |  |  | 8.500 | % |  | N/A |  | N/A
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |
Isabella Bank | 162,846 |  |  | 13.06 | % |  | 130,910 |  |  | 10.500 | % |  | 124,676 |  |  | 10.00 | %
Consolidated | 172,276 |  |  | 13.75 | % |  | 131,512 |  |  | 10.500 | % |  | N/A |  | N/A
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |
Isabella Bank | 153,102 |  |  | 7.97 | % |  | 76,814 |  |  | 4.00 | % |  | 96,018 |  |  | 5.00 | %
Consolidated | 162,532 |  |  | 8.37 | % |  | 77,671 |  |  | 4.00 | % |  | N/A |  | N/A
| Actual |  | Minimum Capital Requirement |  | Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions
| Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Common equity Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |
Isabella Bank | $ | 150,093 |  |  | 11.86 | % |  | $ | 88,587 |  |  | 7.000 | % |  | $ | 82,260 |  |  | 6.50 | %
Consolidated | 159,794 |  |  | 12.56 | % |  | 89,090 |  |  | 7.000 | % |  | N/A |  | N/A
Tier 1 capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |
Isabella Bank | 150,093 |  |  | 11.86 | % |  | 107,570 |  |  | 8.500 | % |  | 101,243 |  |  | 8.00 | %
Consolidated | 159,794 |  |  | 12.56 | % |  | 108,180 |  |  | 8.500 | % |  | N/A |  | N/A
Total capital to risk weighted assets |  |  |  |  |  |  |  |  |  |  |
Isabella Bank | 158,032 |  |  | 12.49 | % |  | 132,881 |  |  | 10.500 | % |  | 126,554 |  |  | 10.00 | %
Consolidated | 167,733 |  |  | 13.18 | % |  | 133,635 |  |  | 10.500 | % |  | N/A |  | N/A
Tier 1 capital to average assets |  |  |  |  |  |  |  |  |  |  |
Isabella Bank | 150,093 |  |  | 8.54 | % |  | 70,288 |  |  | 4.000 | % |  | 87,861 |  |  | 5.00 | %
Consolidated | 159,794 |  |  | 9.01 | % |  | 70,945 |  |  | 4.000 | % |  | N/A |  | N/A

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