Side-by-side · Q2 2026 data
Horicon Bank vs IncredibleBank
Metric by metric
| Measure | Horicon Bank | IncredibleBank |
|---|---|---|
| TellerScore | 63 (stronger) | 57 |
| Capital cushion | 47 (stronger) | 33 |
| Loan quality | 69 | 70 (stronger) |
| Earnings | 77 (stronger) | 62 |
| Funding & liquidity | 52 | 58 (stronger) |
| Problem-loan coverage | 86 (stronger) | 82 |
| Peer percentile | 30th | 16th |
| Total assets | $1.7B | $2.1B |
| Deposits / shares | $1.4B | $1.8B |
| Capital ratio | 9.72% (stronger) | 8.30% |
| Problem loans | 0.93% | 0.89% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.11% |
| Return on assets | 1.42% (stronger) | 1.06% |
| Loans ÷ deposits | 95.5% | 89.0% (stronger) |
| Uninsured deposits | 26.3% (stronger) | 27.3% |
| Offices | 19 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.2% | 11.9% |
Horicon Bank has the higher TellerScore (63 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Horicon Bank leads on 5 and IncredibleBank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.