EXHIBIT 5

Opinion of Counsel

Lansing 313 S. Washington Square Lansing MI 48933 Detroit 333 W. Fort Street - Suite 1400 Detroit MI 48226 Southfield 28411 Northwestern Highway, Suite 500 Southfield MI 48034 Holland 151 Central Avenue - Suite 260 Holland MI 49423 Grand Rapids 1700 E. Beltline NE - Suite 200 Grand Rapids MI 49525 St. Joseph 800 Ship Street - Suite 105 St. Joseph MI 49085

Walter S. Foster
1878-1961
Richard B. Foster
1908-1996
Theodore W. Swift
1928-2000
John L. Collins
1926-2001

Webb A. Smith
Gary J. McRay
Stephen I. Jurmu
Scott A. Storey
Charles A. Janssen
Charles E. Barbieri
James B. Jensen, Jr.
Scott L. Mandel Michael D. Sanders
Brent A. Titus
Stephen J. Lowney
Jean G. Schtokal
Brian G. Goodenough
Matt G. Hrebec
Deanna Swisher
Thomas R. Meagher
Douglas A. Mielock
Scott A. Chernich
Paul J. Millenbach
Dirk H. Beckwith
Brian J. Renaud
Bruce A. Vande Vusse
Lynwood P. VandenBosch
Lawrence Korolewicz James B. Doezema
Anne M. Seurynck
John P. Nicolucci Michael D. Homier
David M. Lick
Scott H. Hogan
Richard C. Kraus
Benjamin J. Price
Michael R. Blum
Jonathan J. David
Andrew C. Vredenburg
Jack A. Siebers Julie I. Fershtman
Todd W. Hoppe
Jennifer B. VanRegenmorter
Thomas R. TerMaat
Frederick D. Dilley
David R. Russell
Zachary W. Behler
Joel C. Farrar
Laura J. Genovich Karl W. Butterer, Jr.
Mindi M. Johnson
Ray H. Littleton, II Jack L. VanCoevering
Anna K. Gibson Patricia J. Scott Nicholas M. Oertel
Alicia W. Birach Adam A. Fadly
Michael J. Liddane
Gilbert M. Frimet
Mark J. Colon
Paul D. Yared
Ryan E. Lamb
Stephen W. Smith
Clifford L. Hammond
Brett R. Schlender Mathew S. Fedor Nicolas Camargo Andrea Badalucco
Mark T. Koerner
Warren H. Krueger, III
Sarah J. Gabis
Amanda Afton Martin
John W. Mashni Allison M. Collins
Leslie A. Dickinson
Julie L. Hamlet
Michael C. Zahrt
Taylor A. Gast
Rachel G. Olney
Tyler J. Olney
Mark J. DeLuca
Stefania Gismondi Thomas K. Dillon Robert A. Easterly Robert A. Hamor
Michael A. Cassar
Hilary J. McDaniel
Emily R. Wisniewski
Amanda J Dernovshek
Lydia H. Kessler
Brandon M. H. Schumacher
Alexander J. Thibodeau
Cody A. Mott
Alaina M. Nelson
Caroline N. Renner
Joseph B. Gale
Sydney T. Steele

Writer's Direct Phone: (517) 371-8100 Fax: (517) 371-8200 Reply To: Lansing E-Mail: MHrebec@fosterswift.com

November 4, 2020

Isabella Bank Corporation

401 N. Main St.

Mt. Pleasant, MI 48858

Ladies and Gentlemen:

RE:	Isabella Bank Corporation
	Registration Statement on Form S-3

You have requested our opinion as counsel to Isabella Bank Corporation, a Michigan corporation, in connection with a Registration Statement filed with the Securities and Exchange Commission under the Securities Act of 1933, as amended, on Form S-3. The Registration Statement relates to the offering of 500,000 shares of Isabella Bank Corporation common stock to be issued to stockholders in connection with the Isabella Bank Corporation Stockholder Dividend Reinvestment and Employee Stock Purchase Plan, as amended.

Based upon such examination and upon examination of such other instruments and records as we deem necessary, we are of the opinion that:

1.    The Corporation has been duly incorporated under the laws of the state of Michigan, and is validly existing and in good standing under the laws of that state.

2.    The 500,000 shares of common stock covered by the Registration Statement have been legally authorized; and when such shares have been duly delivered to stockholders against payment therefore as contemplated by the Isabella Bank Corporation

Stockholder Dividend Reinvestment and Employee Stock Purchase Plan, such shares will be legally issued, fully paid and nonassessable.

This opinion is furnished for use as an Exhibit to the Registration Statement. We hereby consent to the filing of this opinion as an Exhibit to the Registration Statement and to the reference to us in the Prospectus under the heading “Legal Opinion”.

FOSTER, SWIFT, COLLINS & SMITH, P.C.

/s/ Foster, Swift, Collins & Smith, P.C.