Incrediblebank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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 1.57% and a Texas ratio of 9.27%, according to its call report filed with the FFIEC.
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)
- Offices
- 18 domestic
- 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.incrediblebank.com →
- Parent Holding Company
- RIVER VALLEY BANCORPORATION, INC. (RSSD 1209426)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Incrediblebank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Incrediblebank, freeIncrediblebank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.32% | 1.12% | 1.57% | 9.27% | 3.90% |
| Q1 2026 | 10.53% | 1.00% | 1.77% | 9.42% | 3.85% |
| Q4 2025 | 10.35% | 1.25% | 1.43% | 6.28% | 3.94% |
| Q3 2025 | 10.48% | 1.02% | 1.67% | 7.73% | 3.86% |
| Q2 2025 | 9.97% | 0.98% | 1.69% | 8.61% | 3.74% |
| Q1 2025 | 9.95% | 0.75% | 1.63% | 8.19% | 3.47% |
| Q4 2024 | 9.86% | 0.91% | 1.35% | 11.56% | 3.40% |
| Q3 2024 | 9.78% | 0.45% | 1.69% | 11.65% | 3.34% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 18 branches →
| 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
What the public regulatory sources show for Incrediblebank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- 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).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Incrediblebank headquartered?
Incrediblebank is headquartered in Wausau, WI, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Incrediblebank founded?
Incrediblebank was established in 1967, per the FDIC institution directory.
Is Incrediblebank FDIC-insured?
Yes. Incrediblebank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Incrediblebank's CET1 capital ratio?
Incrediblebank 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?
Incrediblebank operates 18 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?
Incrediblebank's Texas Ratio is 9.27% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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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