Bank call report · Wausau, WI
Incrediblebank Call Report
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Incrediblebank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 487 reported line items, schedule by schedule (896 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 163549 |
| FDIC certificate number | 19772 |
| Total assets | $2.10B |
Official Q2 2026 call report PDF (FFIEC) →
Incrediblebank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (30 items)
About Schedule RC · Incrediblebank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $2.10B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $2.10B |
| Total Liabilities and Minority Interest | RCON2948 | $1.94B |
| Total Deposits | RCON2200 | $1.78B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $1.60B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $1.58B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $1.44B |
| Deposits: Noninterest-bearing | RCON6631 | $341.9M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $329.6M |
| Total Equity Capital | RCON3210 | $162.2M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $162.2M |
| Other Borrowed Money | RCON3190 | $125.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $107.3M |
| Surplus | RCON3839 | $79.2M |
| Other Assets | RCON2160 | $77.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $39.1M |
| Other Liabilities, Total | RCON2930 | $36.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $32.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$24.6M |
| Intangible Assets | RCON2143 | $22.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $17.2M |
| Goodwill | RCON3163 | $15.5M |
| Interest-bearing Balances | RCON0071 | $10.8M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $3.0M |
| Held-to-maturity Securities, Total | RCON1754 | $3.0M |
| Investments and Unconsolidated Subsidiaries and Associated Companies | RCON2130 | $1.9M |
| Other Real Estate Owned | RCON2150 | $1.9M |
| Federal Funds Sold | RCONB987 | $1.8M |
| Loans and Leases Held for Sale | RCON5369 | $1.3M |
| Common Stock | RCON3230 | $316K |
Schedule RI: Income Statement (51 items)
About Schedule RI · Incrediblebank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $57.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $51.3M |
| Net Interest Income | RIAD4074 | $37.4M |
| Total Noninterest Expense | RIAD4093 | $28.0M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $21.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $19.9M |
| Total Interest Expense | RIAD4073 | $19.7M |
| Salaries and Employee Benefits | RIAD4135 | $17.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $14.0M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $14.0M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $11.0M |
| Net Income (Loss) | RIAD4340 | $11.0M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $11.0M |
| Other Noninterest Expense | RIAD4092 | $8.2M |
| Total Noninterest Income | RIAD4079 | $7.0M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $6.2M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $6.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $5.5M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $4.4M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $3.8M |
| Other Noninterest Income | RIADB497 | $3.2M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $3.0M |
| Applicable Income Taxes | RIAD4302 | $2.9M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $2.6M |
| Provision for Loan and Lease Losses | RIAD4230 | $2.4M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $2.4M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $2.3M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.5M |
| Net Servicing Fees | RIADB492 | $1.2M |
| Interest on Other Securities | RIAD4060 | $1.2M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $1.1M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $958K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $804K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $577K |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $535K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $358K |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $357K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $342K |
| Other Interest Income | RIAD4518 | $273K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $269K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $258K |
| Fees and Commissions from Annuity Sales | RIADC887 | $243K |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $243K |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $144K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $76K |
| Realized Gains (Losses) on Available-for-sale Debt Securities | RIAD3196 | -$56K |
| Fees and Commissions from Securities Brokerage | RIADC886 | $54K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $23K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $8K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | $1K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 234 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $49.8M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $36.5M |
| Currency and Coin | RCON0080 | $9.9M |
| Balances Due from Federal Reserve Banks | RCON0090 | $3.4M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $18K |
Schedule RC-B: Securities (40 items)
About Schedule RC-B · Incrediblebank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $14.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $13.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $108.2M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $96.7M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $46.0M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $42.9M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $361.4M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $92.6M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $84.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $73.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $71.6M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $60.4M |
| Pledged Securities | RCON0416 | $56.3M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $55.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $50.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $43.9M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $30.4M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $19.5M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $18.6M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $17.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $17.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $13.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $12.2M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $11.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $4.7M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $4.6M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $3.6M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $3.5M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $3.4M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $3.3M |
| Amortized Cost of Other Held-to-maturity Domestic Debt Securities | RCON1737 | $3.0M |
| Fair Value of Other Held-to-maturity Domestic Debt Securities | RCON1738 | $3.0M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $3.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $2.5M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $2.4M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $2.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $2.0M |
| Amortized Cost of Structured Notes | RCON8782 | $999K |
| Fair Value of Structured Notes | RCON8783 | $885K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $1K |
Schedule RC-C, Part I: Loans and Leases (42 items)
About Schedule RC-C, Part I · Incrediblebank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $1.60B |
| Pledged Loans and Leases | RCONG378 | $780.2M |
| Commercial and Industrial Loans | RCON1766 | $586.3M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $586.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $394.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $350.6M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $243.0M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $242.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $219.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $216.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $202.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $166.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $147.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $136.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $119.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $117.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $109.6M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $63.0M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $61.3M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $35.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $28.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $17.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $16.9M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $16.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $12.5M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $11.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $8.7M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Other Construction Loans and All Land Development and Other Land Loans | RCONK159 | $8.5M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $3.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $3.4M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $2.9M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Owner-occupied Nonfarm Nonresidential Properties | RCONK161 | $1.7M |
| Real Estate Loans Secured by Farmland | RCON1420 | $1.7M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $796K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $652K |
| Other Loans | RCONJ464 | $652K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $624K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans: to U.S. Addressees (Domicile) | RCONK163 | $624K |
| Itemize Loans Secured by Farmland That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK166 | $236K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $236K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $74K |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $32K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $152.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $83.4M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $21.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $14.3M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $4.8M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $879K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $239K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $120K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 448 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 275 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 221 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 183 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 127 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 77 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 6 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 3 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 2 |
Schedule RC-E: Deposit Liabilities (35 items)
About Schedule RC-E · Incrediblebank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $1.03B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $990.9M |
| Total Transaction Accounts | RCON2215 | $753.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $509.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $414.5M |
| Total Demand Deposits (See Note Below) | RCON2210 | $341.9M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $292.5M |
| Total reciprocal deposits | RCONJH83 | $279.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $243.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $198.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $188.6M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $186.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $183.1M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $176.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $162.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $130.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $125.6M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $121.2M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $116.4M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $114.4M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $91.4M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $75.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $75.0M |
| Total Brokered Deposits | RCON2365 | $75.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $70.9M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $50.3M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $35.3M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $25.8M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $10.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $8.7M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $5.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $4.1M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $1.8M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $315K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $87K |
Schedule RC-F: Other Assets (11 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $36.8M |
| Net Deferred Tax Assets | RCON2148 | $12.5M |
| Other Assets | RCON2168 | $9.5M |
| Accrued Interest Receivable | RCONB556 | $7.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $5.7M |
| Life Insurance Assets: Separate Account Life Insurance Assets | RCONK202 | $4.1M |
| Receivables from Foreclosed Government-guaranteed Mortgage Loans | RCONFT35 | $3.6M |
| Derivatives with a Position Fair Value Held for Purposes Other Than Trading | RCONC010 | $2.6M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.2M |
| Prepaid Expenses | RCON2166 | $2.0M |
| Other Repossessed Assets (Net) | RCON1578 | $105K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $25.6M |
| Deferred Compensation Liabilities | RCONC011 | $23.5M |
| Other Expenses Accrued and Unpaid | RCON3646 | $7.4M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $2.4M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $2.1M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $950K |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · Incrediblebank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $2.08B |
| Quarterly Average of Total Loans | RCON3360 | $1.55B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $601.1M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $600.9M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $576.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $415.0M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $310.6M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $235.8M |
| Mortgage-backed Securities | RCONB559 | $200.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $128.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $123.5M |
| All Other Securities | RCONB560 | $100.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $81.1M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $64.0M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $19.3M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $1.7M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $386K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (14 items)
About Schedule RC-L · Incrediblebank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $356.4M |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $231.4M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $220.3M |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $130.7M |
| Purchased OTC Interest Rate Option Contracts | RCON8713 | $75.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $68.0M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $50.0M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $45.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $28.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $6.4M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $2.6M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $2.1M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $2.0M |
| Interest Rate Forward Contracts | RCON8697 | $60K |
Schedule RC-M: Memoranda (9 items)
About Schedule RC-M · Incrediblebank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $115.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $115.0M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $13.5M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $10.0M |
| Mortgage Servicing Assets | RCON3164 | $6.6M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Three Through Five Years | RCONF057 | $6.0M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $4.5M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $1.9M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 5 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (21 items)
About Schedule RC-N · Incrediblebank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $14.0M |
| Additions to Nonaccrual Assets | RCONC410 | $7.1M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $6.6M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $5.8M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $4.4M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $3.9M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $3.6M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $3.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $3.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty -Loans Secured by Other Nonfarm Nonresidential Properties :Nonaccrual | RCONK119 | $3.0M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $1.5M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $933K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $836K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $739K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $663K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty : Commercial and Industrial Loans - to US Addressees - Nonaccrual | RCONK122 | $567K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $567K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $266K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $266K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $44K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $31K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (13 items)
About Schedule RC-O · Incrediblebank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $2.08B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $1.78B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $1.14B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $617.9M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $485.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $169.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $22.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $3.3M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 55,228 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 995 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 950 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 10 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $22.5M |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $19.7M |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $788K |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $738K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (14 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $332.3M |
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $332.3M |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $329.6M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $329.6M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $2.6M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $2.6M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $2.6M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $2.6M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $2.1M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $2.1M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $2.1M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $2.1M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $2.1M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $2.1M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Incrediblebank regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $1.66B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Incrediblebank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $2.08B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $2.06B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $1.66B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $189.4M |
| Common Equity Tier 1 Capital | RCOAP859 | $171.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $171.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $171.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $162.2M |
| Retained Earnings | RCOAKW00 | $107.3M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $79.5M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$24.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$24.6M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $18.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $18.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $18.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $15.5M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $15.5M |
| Accumulated Net Gains (Losses)on Cash-flow Hedges (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP846 | $277K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1141 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1032 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1032 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.083 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0341 |
Schedule RC-R, Part II: Risk-Weighted Assets (80 items)
About Schedule RC-R, Part II · Incrediblebank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $1.66B |
| Total Risk-weighted Assets | RCONG641 | $1.66B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $1.40B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $1.40B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $1.35B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $1.29B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $1.25B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $355.5M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $351.6M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $329.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $305.1M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $302.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $299.3M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $299.3M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $273.6M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $177.4M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $152.6M |
| Unconditionally Cancellable Commitments | RCONS540 | $151.4M |
| Total All Other Assets | RCOND981 | $136.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $102.6M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $98.6M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $93.1M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $82.2M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $79.4M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $71.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $70.3M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $57.0M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $49.8M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $49.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $35.2M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $34.8M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $34.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $34.1M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$31.8M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $25.1M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$23.8M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $19.6M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $16.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $15.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $13.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $13.1M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $13.1M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $13.1M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $11.4M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $9.2M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $7.0M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $6.6M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $6.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $6.6M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $6.4M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $6.4M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $4.7M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $4.1M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $4.1M |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $4.0M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $3.5M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $3.1M |
| Held-to-maturity Securities - 100 Pct Risk Weight Category | RCOND965 | $3.0M |
| Total Held-to-maturity Securities | RCOND961 | $3.0M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $2.6M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $2.4M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $2.1M |
| Federal Funds Sold in Domestic Offices | RCOND971 | $1.8M |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $1.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 50% | RCONS529 | $1.7M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $1.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $1.2M |
| All Other Off- Balance Sheet Liabilities - 50 Pct Risk Weight Category | RCONG622 | $1.1M |
| All Other Off- Balance Sheet Liabilities - Credit Equivalent Amount | RCONG619 | $1.1M |
| All Other Off- Balance Sheet Liabilities - Face, Notional or Other Amount | RCONG618 | $1.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $789K |
| Loans and Leases Held for Sale, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS416 | $788K |
| Total Loans and Leases Held for Sale, Residential Mortgage Exposures | RCONS413 | $788K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 20% | RCONS528 | $516K |
| Loans and Leases Held for Sale, All Other Exposures - 20 Pct Risk Weight Category | RCONS434 | $468K |
| Total Loans and Leases Held for Sale, All Other Exposures | RCONS431 | $468K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $428K |
| Unused Commitments, Original Maturity Exceeding One Year - 20 Pct Risk Weight Category | RCONG627 | $274K |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $76K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $23K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $625.1M |
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $204.2M |
| Assets Sold with Recourse or Other Seller-provided Credit Enhancements and Not Securitized - 1-4 Family Residential Loans | RCONB790 | $1.1M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with Recourse or Oher Servicer-provided Credit Enhancements | RCONB804 | $1.1M |
| Maximum Amount of Credit Exposure Arising from Credit Enhancements Provided by the Reporting Bank to Other Institutions' Securitization Structures in the Form of Standby Letters of Credit, Etc.: 1-4 Family Residential Loans | RCONB776 | $45K |
| Maximum Amount of Credit Exposure Arising from Recourse or Other Seller-provided Credit Enhancements Provided to Assets Reported in Item 11: 1-4 Family Residential Loans | RCONB797 | $45K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $162.2M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $156.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $156.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $4.7M |
| Other Comprehensive Income | RIADB511 | -$223K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (10 items)
About Schedule RI-B, Part I · Incrediblebank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $540K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $460K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $155K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $58K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $52K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $35K |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $28K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $8K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $2K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Incrediblebank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $17.2M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $15.7M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.0M |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $1.60B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $602.0M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $550.5M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $241.3M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $140.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $64.8M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $17.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $6.5M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $6.2M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $2.8M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $1.3M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $422K |
Schedule RI-E: Explanations (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $2.2M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $2.1M |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $766K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $744K |
| Marketing and Other Professional Services | RIAD0497 | $695K |
| Legal Expense | RIAD4141 | $306K |
| Consulting and Advisory Expense | RIADF557 | $258K |
| Directors' Fees | RIAD4136 | $205K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $182K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $174K |
| Other Real Estate Owned Expenses | RIADY923 | $169K |
| Printing, Stationery, and Supplies | RIADC018 | $166K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $90K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $82K |
| Accounting and Auditing Expenses | RIADF556 | $72K |
| Telecommunications Expense | RIADF559 | $51K |
Incrediblebank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Incrediblebank call report?
The Incrediblebank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Incrediblebank file?
Incrediblebank files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Incrediblebank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Incrediblebank has Federal Reserve RSSD ID 163549 and FDIC certificate number 19772. Either one finds its filings on the FFIEC Central Data Repository.
How often does Incrediblebank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Incrediblebank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 19772) · FFIEC NIC profile (RSSD 163549)