Bank Comparison
Incrediblebank vs Tri City National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Incrediblebank | Tri City National Bank |
|---|---|---|
| CET1 Ratio | 10.53% | — |
| Tier 1 Capital Ratio | 10.53% | — |
| Total Capital Ratio | 11.64% | — |
| Tier 1 Leverage Ratio | 8.19% | 10.95% |
| Equity / Assets | 7.67% | 9.48% |
Profitability
| Metric | Incrediblebank | Tri City National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.00% | 0.77% |
| Return on Equity (ROE) | 13.20% | 8.38% |
| Net Interest Margin (NIM) | 3.85% | 3.46% |
| Yield on Earning Assets | 5.88% | 4.40% |
| Cost of Funds | 2.10% | 1.01% |
Asset quality
| Metric | Incrediblebank | Tri City National Bank |
|---|---|---|
| Texas Ratio | 17.85% | 6.85% |
| Non-Performing Loan Ratio | 1.77% | 1.05% |
| Non-Performing Asset Ratio | 1.38% | 0.70% |
| Net Charge-Off Ratio | 0.02% | -0.01% |
| ACL / Loans | 1.10% | 1.22% |
Balance sheet
| Metric | Incrediblebank | Tri City National Bank |
|---|---|---|
| Total Assets | $2,058M | $1,969M |
| Total Deposits | $1,775M | $1,768M |
| Total Loans | $1,533M | $1,176M |
| Total Equity | $157,969K | $186,642K |
| Net Income (quarter) | $5,183K | $3,898K |
Liquidity & funding
| Metric | Incrediblebank | Tri City National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.41% | 66.56% |
| Core Deposit Ratio | 92.93% | 97.14% |
| Uninsured Deposit Ratio | 27.32% | 27.41% |
Identity
| Metric | Incrediblebank | Tri City National Bank |
|---|---|---|
| Headquarters City | WAUSAU | OAK CREEK |
| Headquarters State | WI | WI |
| Asset Tier | Large | Large |
| Charter Class | 0 | 15738 |
| Regulator | FDIC | OCC |
| Domestic Branches | 19 | 28 |
| Employees (FTE) | 228 | 348 |
| Established | Dec. 8, 1967, midnight | Oct. 28, 1963, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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