Incrediblebank
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Data as of · sourced from FFIEC call reports. How we update
Incrediblebank is an FDIC-insured commercial bank headquartered in Wausau, WI, established in 1967 (FDIC certificate 19772), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.10B, up 3.0% from Q2 2025, the 15th largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 10.32% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19772
- Headquarters
- Wausau, WI
- Established
- 1967
- Total assets, Q2 2026
- $2.10B
- Assets vs Q2 2025
- +3.0%
- CET1 ratio, Q2 2026
- 10.32%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 075911742
- Holding company
- RIVER VALLEY BANCORPORATION, INC.
- Asset rank in state
- 15th of 153 in Wisconsin
Incrediblebank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $2.1 billion at June 30, 2026, up 3.0% from a year earlier; it is based in Wausau, Wisconsin. It holds common equity equal to 10.32% of its risk-weighted assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 13.52%). It also lost 0.2% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Net income for the quarter rose 16% from a year earlier, to $5.8 million. Over the same year, loans grew 5.6% and deposits shrank 0.2%. Credit is the area to watch: it carries problem assets equal to 9.3% of the capital and reserves that would absorb them, 2.6 times the median of 3.6% for banks its size.
As of June 30, 2026, Incrediblebank reported a CET1 capital ratio of 10.32%, a return on assets of 1.12%, a nonperforming-loan ratio of 0.89% and a Texas ratio of 9.27%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Incrediblebank is the 15th largest of the 153 banks headquartered in Wisconsin. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.2% to $2.10B, loans rose 4.3% and deposits rose 0.2%. Commercial and industrial loans made up 36.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 15.2%. Its 18 offices in the FDIC Summary of Deposits are in 14 cities across 3 states; its Wausau 3 offices book 22% of its branch deposits. By the capital ratios in its Q2 2026 call report, Incrediblebank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 327 N 17th Ave, Wausau, WI 54401
- County
- Marathon
- Metro Area
- Wausau, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- December 8, 1967
- Former names
- River Valley Bank (2007-2019); River Valley State Bank (1986-2007)
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 234
- Domestic deposits
- $1.78B
- Allowance for credit losses
- $17.2M
- Net charge-offs (YTD)
- $873K
- Average total assets
- $2.08B
- Average total loans
- $1.55B
- Average interest-bearing deposits
- $1.45B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 8, 1967
- FDIC Cert
- 19772
- Fed RSSD
- 163549
- Website
- www.incredible.bank →
- Parent Holding Company
- RIVER VALLEY BANCORPORATION, INC. (RSSD 1209426)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Incrediblebank's total assets moved between a low of $1.90B (Q3 2023) and a high of $2.10B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.10B total assets against $2.04B; $1.94B total liabilities against $1.90B.
$1.58B net loans and leases against $1.50B; $1.78B total deposits against $1.78B.
$332.7M securities against $351.4M; $51.6M cash and balances due against $54.0M.
$28.7M total interest income against $28.7M; $9.9M total interest expense against $10.9M.
$18.8M net interest income against $17.8M.
$3.5M total noninterest income against $3.8M; $13.8M total noninterest expense against $13.8M.
$1.1M provision for credit losses against $1.4M.
$5.8M net income against $5.0M.
1.12% return on assets against 0.98%; 3.90% net interest margin against 3.74%.
10.32% CET1 capital ratio against 9.97%; 8.30% tier 1 leverage ratio against 7.87%.
Inside the full Incrediblebank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIncrediblebank rankings
Its closest position to the top of a national ranking is 575 of 4,196, for total assets; its furthest is 2,062 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.45% (Q3 2024) to 1.25% (Q4 2025) and its net interest margin ran from 3.34% (Q3 2024) to 3.94% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.32% | 1.12% | 0.89% | 9.27% | 3.90% |
| Q1 2026 | 10.53% | 1.00% | 1.00% | 9.42% | 3.85% |
| Q4 2025 | 10.35% | 1.25% | 0.66% | 6.28% | 3.94% |
| Q3 2025 | 10.48% | 1.02% | 0.87% | 7.73% | 3.86% |
| Q2 2025 | 9.97% | 0.98% | 0.91% | 8.61% | 3.74% |
| Q1 2025 | 9.95% | 0.75% | 0.82% | 8.19% | 3.47% |
| Q4 2024 | 9.86% | 0.91% | 1.10% | 11.56% | 3.40% |
| Q3 2024 | 9.78% | 0.45% | 1.45% | 11.65% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
View all 18 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Incrediblebank (main office) | Wausau , WI | 54401 | $241.3M |
| Minocqua Office | Minocqua , WI | 54548 | $191.1M |
| Rothschild Branch | Rothschild , WI | 54474 | $179.6M |
| Marquette West Branch | Marquette , MI | 49855 | $134.8M |
| Merrill Branch | Merrill , WI | 54452 | $131.8M |
| Wausau Branch | Wausau , WI | 54403 | $125.5M |
| Ironwood Branch | Ironwood , MI | 49938 | $94.9M |
| Eagle River Branch | Eagle River , WI | 54521 | $85.9M |
| Houghton Branch | Houghton , MI | 49931 | $82.9M |
| Cape Coral Branch | Cape Coral , FL | 33914 | $76.7M |
| Iron Mountain Branch | Iron Mountain , MI | 49801 | $75.7M |
| Weston Branch | Schofield , WI | 54476 | $74.1M |
| Calumet Branch | Calumet , MI | 49913 | $72.9M |
| Marquette North Branch | Marquette , MI | 49855 | $61.7M |
| Tomahawk Office | Tomahawk , WI | 54487 | $59.6M |
| Madison Wi Branch | Middleton , WI | 53562 | $52.6M |
| Internet Branch | Wausau , WI | 54401 | $25.5M |
| Liberty Park Branch | Cape Coral , FL | 33909 | $12.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 8, 2017 | Structure Change | Acquired Integrity First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 7, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in WI, rank 26 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 755 applications, 512 loans originated, $149.9M originated, across 19 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 11 loans, $8.7M approved, $793K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Incrediblebank
What are Incrediblebank's total assets?
As of the Q2 2026 filing, Incrediblebank reported total assets of $2.10 billion in its FFIEC call report.
Where is Incrediblebank headquartered?
It is headquartered in Wausau, WI, United States.
When was Incrediblebank founded?
It was established in 1967, per the FDIC institution directory.
Is Incrediblebank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Incrediblebank?
Incrediblebank's primary federal regulator is the FDIC.
What is Incrediblebank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.32% in its Q2 2026 call report, above regulatory requirements.
How many branches does Incrediblebank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Incrediblebank's Texas Ratio?
Its Texas Ratio is 9.27% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Incrediblebank previously called?
The charter now named Incrediblebank has also operated as River Valley Bank (2007-2019), River Valley State Bank (1986-2007), per FDIC structure-change records.
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