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IncredibleBank

$1B-$10B Specialty: Commercial WI FDIC cert 19772

Designations: ✓ Community bank

Wausau, WI

19 branches across WI · MI · FL

884 banks in the $1B-$10B peer group nationally 28 in WI
View $1B-$10B leaderboard (WI) →

IncredibleBank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.09% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 15.5% in tier
  • - Capital Thin: Bottom 21.7% in tier
  • - ROA 0.36% below tier average
  • - Efficiency Ratio 3.24% above tier average
Get updates when IncredibleBank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $2.1B
+3.3% YoY -0.9% QoQ
-$756.8M $2.8B
-0.1% YoY
$1.1B
+10.1% YoY
$6.2B
+9.1% YoY
52%
Total Loans ? $1.5B
+3.1% YoY -0.9% QoQ
-$447.7M $2.0B
+0.6% YoY
$816.7M
+9.9% YoY
$3.2B
+10.8% YoY
54%
Total Deposits ? $1.8B
-1.0% YoY +1.9% QoQ
-$568.1M $2.3B
-0.3% YoY
$905.4M
+9.0% YoY
$4.8B
+8.2% YoY
53%
Return on Assets ? 1.00%
+32.4% YoY -0.8% QoQ
-0.36% 1.37%
+19.6% YoY
1.50%
+15.4% YoY
1.23%
+13.4% YoY
33%
Net Interest Margin ? 3.91%
+9.5% YoY +1.8% QoQ
+0.09% 3.82%
+6.9% YoY
3.77%
+9.2% YoY
3.89%
+5.7% YoY
67%
Efficiency Ratio ? 64.30%
-11.5% YoY -1.9% QoQ
+3.24% 61.06%
-4.6% YoY
64.74%
-4.5% YoY
66.95%
-4.1% YoY
37%
Delinquency Rate ? 1.01%
+21.2% YoY +50.6% QoQ
+0.12% 0.89%
+14.1% YoY
0.87%
+31.3% YoY
0.95%
+18.8% YoY
27%
Loan-to-Deposit Ratio ? 85.46%
+4.2% YoY -2.7% QoQ
+1.26% 84.20%
+0.3% YoY
86.53%
+1.6% YoY
76.70%
+0.9% YoY
52%
Non-Interest-Bearing Deposit Share ? 18.27%
+1.7% YoY -3.3% QoQ
-3.02% 21.29%
-2.5% YoY
18.27%
-0.8% YoY
22.01%
-1.2% YoY
42%
Nonperforming Asset Ratio ? 0.81%
+13.3% YoY +46.2% QoQ
+0.14% 0.67%
+15.6% YoY
0.63%
+35.0% YoY
0.67%
+19.3% YoY
27%
Tier 1 Capital Ratio ? 10.53%
+5.9% YoY +1.8% QoQ
-4.63% 15.16%
+2.0% YoY
14.74%
+0.5% YoY
17.06%
+0.8% YoY
Bottom 9.7% in tier
Non-Interest Income / Assets ? 0.17%
+2.3% YoY -75.2% QoQ
-0.09% 0.26%
+1.6% YoY
1.15%
+12.5% YoY
0.32%
+4.1% YoY
60%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#66 of 420 • Bottom 15.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ

Capital Thin

risk
#49 of 221 • Bottom 21.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.53%
(Tier: 15.16%, National: 17.06%)
worse than tier avg
221 of 221 Mid-Market banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

799
Tier 1 Capital Ratio
capital
Value: 10.53%
Peer Median: 15.16%
#799 of 884 Bottom 9.7% in $1B-$10B
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