Incrediblebank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Incrediblebank of Wausau, WI against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.12% | 1.34% | -0.22% | 36th below |
| ROAE | 14.56% | 12.40% | +2.16% | 66th above |
| Net Interest Margin | 3.90% | 3.83% | +0.07% | 62nd above |
| Efficiency Ratio | 61.37% | 57.84% | +3.53% | 39th below |
| PPNR / Avg Assets | 1.65% | — | — | 43rd below |
| Yield on Earning Assets | 5.93% | 5.71% | +0.22% | 73rd above |
| Cost of Funds | 2.12% | 2.02% | +0.10% | 43rd below |
| Net Interest Spread | 3.38% | — | — | 69th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.57% | 1.00% | +0.57% | 17th bottom |
| NPA / Total Assets | 1.28% | — | — | 17th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.20% | 0.43% | -0.23% | 18th bottom |
| ACL / Total Loans | 1.07% | — | — | 40th below |
| ACL / NPLs (Coverage) | 68.28% | — | — | 16th bottom |
| Texas Ratio | 9.27% | 5.47% | +3.80% | 19th bottom |
| Provision / NCO | 273.77% | — | — | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.32% | 14.99% | -4.67% | 3rd bottom |
| Tier 1 Ratio | 10.32% | 15.02% | -4.70% | 3rd bottom |
| Total Capital Ratio | 11.41% | — | — | 4th bottom |
| Leverage Ratio | 8.30% | 11.11% | -2.81% | 3rd bottom |
| Equity / Assets | 7.71% | 11.02% | -3.31% | 5th bottom |
| TCE / Tangible Assets | 7.02% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.92% | 86.99% | +2.93% | 46th below |
| Core Deposit Ratio | 88.73% | 85.57% | +3.16% | 52nd above |
| Uninsured Deposit Ratio | 27.27% | 33.19% | -5.92% | 62nd above |
| Wholesale Funding Ratio | 5.97% | — | — | 35th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.97% | — | — | 32nd below |
| Loan Growth (Y/Y) | 5.62% | — | — | 49th below |
| Deposit Growth (Y/Y) | -0.23% | — | — | 16th bottom |
See Incrediblebank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Incrediblebank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Incrediblebank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Incrediblebank peer analysis.