Headquartered in Wausau, Wisconsin, IncredibleBank is a state-chartered bank with $2.1B in total assets and $1.8B in deposits as of Q2 2026. It operates 18 offices across 3 states. Its charter dates back to 1967.
Based on its Q2 2026 filing, IncredibleBank scores 57/100, which we describe as moderate. That is higher than only 16% of 897 banks with $1 billion – $10 billion. Among 154 banks headquartered in Wisconsin, it ranks 132nd. Its strongest component is problem-loan coverage (82/100; 9.0%), and its lowest is capital cushion (33/100; 8.30%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (55 → 57), mostly because the funding & liquidity component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 47 |
| Q4 2024 | 51 |
| Q1 2025 | 55 |
| Q2 2025 | 55 |
| Q3 2025 | 56 |
| Q4 2025 | 59 |
| Q1 2026 | 56 |
| Q2 2026 | 57 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 7.93% |
| Q3 2024 | 7.76% |
| Q4 2024 | 7.91% |
| Q1 2025 | 7.86% |
| Q2 2025 | 7.87% |
| Q3 2025 | 7.98% |
| Q4 2025 | 8.15% |
| Q1 2026 | 8.19% |
| Q2 2026 | 8.30% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.45% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.10% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.91% |
| Q3 2025 | 0.87% |
| Q4 2025 | 0.66% |
| Q1 2026 | 1.00% |
| Q2 2026 | 0.89% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.71% |
| Q1 2025 | 0.76% |
| Q2 2025 | 0.88% |
| Q3 2025 | 0.93% |
| Q4 2025 | 1.01% |
| Q1 2026 | 1.00% |
| Q2 2026 | 1.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $2.1B | 8.30% | 0.89% | 1.06% | 89.0% |
| Q1 2026 | 56 | $2.1B | 8.19% | 1.00% | 1.00% | 85.5% |
| Q4 2025 | 59 | $2.1B | 8.15% | 0.66% | 1.01% | 87.8% |
| Q3 2025 | 56 | $2.0B | 7.98% | 0.87% | 0.93% | 84.5% |
| Q2 2025 | 55 | $2.0B | 7.87% | 0.91% | 0.88% | 84.1% |
| Q1 2025 | 55 | $2.0B | 7.86% | 0.82% | 0.76% | 82.0% |
| Q4 2024 | 51 | $2.0B | 7.91% | 1.10% | 0.71% | 84.4% |
| Q3 2024 | 47 | $2.0B | 7.76% | 1.45% | 0.64% | 84.7% |
| Q2 2024 | 49 | $2.0B | 7.93% | 1.45% | 0.74% | 84.3% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| National Bank of CommerceBank Superior, WI | 70 out of 100, Strong | $2.2B | 9.3% | 0.64% | vs |
| WaterStone Bank, SSBBank Wauwatosa, WI | 81 out of 100, Strong | $2.3B | 15.4% | 0.36% | vs |
| Tri City National BankBank Oak Creek, WI | 71 out of 100, Strong | $2.0B | 11.1% | 0.51% | vs |
| CCFBank National AssociationBank Altoona, WI | 50 out of 100, Below average | $1.8B | 11.2% | 2.28% | vs |
| Bank Five NineBank Oconomowoc, WI | 54 out of 100, Below average | $2.5B | 9.8% | 1.91% | vs |
| Horicon BankBank Horicon, WI | 63 out of 100, Moderate | $1.7B | 9.7% | 0.93% | vs |
Deposit insurance
Is my money safe at IncredibleBank?
Yes. IncredibleBank is an FDIC-insured institution (FDIC certificate #19772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.3% of deposits ($485.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.41% (benchmark: 10%).
18 locations
Branches
IncredibleBank lists 17 offices in 14 cities across 3 states. Most locations:
- Cape Coral, FL (2)
- Marquette, MI (2)
- Wausau, WI (2)
- Calumet, MI (1)
- Eagle River, WI (1)
- Houghton, MI (1)
- Iron Mountain, MI (1)
- Ironwood, MI (1)
- Merrill, WI (1)
- Middleton, WI (1)
- Minocqua, WI (1)
- Rothschild, WI (1)
HMDA 2025
Mortgage lending
In 2025, IncredibleBank reported 736 home-loan applications under HMDA (LEI 549300TV5ZED3EINI708): 512 originated ($149,880,000 total), 73 denied, and 122 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- IncredibleBank
- Former names
- River Valley State Bank; River Valley Bank
- Type
- State-chartered bank
- FDIC certificate #
- 19772
- RSSD ID
- 163549
- Primary regulator
- FDIC
- Holding company
- River Valley Bcorp Inc
- Established
- December 8, 1967
- Headquarters
- 327 N 17th Ave, Wausau, WI 54401
- Website
- www.incrediblebank.com
- Employees
- 234
Quick answers
IncredibleBank: common questions
Is IncredibleBank FDIC insured?
Yes. IncredibleBank is an FDIC-insured institution (FDIC certificate #19772). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is IncredibleBank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has IncredibleBank ever failed?
There is no failure record for FDIC certificate #19772 in the FDIC failed bank list.
How many branches does IncredibleBank have?
18 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Wausau
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Marathon County Employees Credit UnionCredit union Wausau, WI | 86 out of 100, Very strong | $46.5M | 16.3% | 0.38% | vs |
| Athens Area Credit UnionCredit union Athens, WI | 84 out of 100, Strong | $49.9M | 13.3% | 0.63% | vs |
| Valley Communities Credit UnionCredit union Mosinee, WI | 83 out of 100, Strong | $306.9M | 13.0% | 0.28% | vs |
| Marathon BankBank Wausau, WI | 82 out of 100, Strong | $261.1M | 15.3% | 0.03% | vs |
| Crossbridge Community BankBank Tomahawk, WI | 81 out of 100, Strong | $216.7M | 13.1% | 0.28% | vs |
| Public Service Credit UnionCredit union Wausau, WI | 80 out of 100, Strong | $13.9M | 19.3% | 0.07% | vs |