BlastPoint's Banking Scorecard
IncredibleBank
Designations: ✓ Community bank
Wausau, WI
19 branches across WI · MI · FL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in WI.
- Deposits -0.2% year over year ($1.8B on the books).
- Delinquency rate 0.90%.
- Return on assets 1.06%.
- Efficiency ratio 63.02% vs a 59.73% peer average.
- Loan-to-deposit ratio 88.96% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
IncredibleBank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 16.7% in tier
- - ROA 0.33% below tier average
- - Efficiency Ratio 3.29% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+3.0% YoY
+2.2% QoQ
|
-$689.6M |
$2.8B
-0.6% YoY
|
$1.2B
+13.5% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$1.6B
+5.6% YoY
+4.3% QoQ
|
-$380.2M |
$2.0B
-0.3% YoY
|
$860.4M
+13.3% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$1.8B
-0.2% YoY
+0.2% QoQ
|
-$539.3M |
$2.3B
-0.5% YoY
|
$935.5M
+13.1% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.06%
+20.8% YoY
+5.6% QoQ
|
-0.33% |
1.39%
+17.0% YoY
|
1.56%
+18.6% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
3.92%
+5.9% YoY
+0.3% QoQ
|
+0.05% |
3.87%
+6.2% YoY
|
3.83%
+8.5% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
63.02%
-7.5% YoY
-2.0% QoQ
|
+3.29% |
59.73%
-12.6% YoY
|
62.90%
-5.1% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.90%
-2.0% YoY
-11.0% QoQ
|
+0.03% |
0.87%
+11.7% YoY
|
0.85%
+12.5% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
88.96%
+5.8% YoY
+4.1% QoQ
|
+3.92% |
85.04%
-0.1% YoY
|
87.22%
+0.9% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
19.21%
+7.7% YoY
+5.1% QoQ
|
-2.06% |
21.27%
-1.5% YoY
|
18.65%
-1.9% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.77%
+0.4% YoY
-5.3% QoQ
|
+0.09% |
0.67%
+11.7% YoY
|
0.63%
+16.4% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
10.32%
+3.5% YoY
-2.0% QoQ
|
-4.52% |
14.84%
-0.4% YoY
|
15.02%
+1.5% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.7% in tier |
| Non-Interest Income / Assets ? |
0.33%
-3.8% YoY
+97.4% QoQ
|
-0.20% |
0.53%
+2.5% YoY
|
2.21%
+12.7% YoY
|
0.66%
+5.2% YoY
|
58% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.2%
+1.4pp YoY +0.9pp QoQ |
-2.2pp | 21.4% | 18.9% | 22.2% | 46% |
| Brokered Deposits |
4.2%
-4.9pp YoY -0.6pp QoQ |
-5.2pp | 9.5% | 9.2% | 8.5% | 43% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
37.0%
-1.7pp YoY -0.4pp QoQ |
+23.0pp | 14.0% | 10.5% | 12.5% | 94% |
| CRE |
38.8%
-0.9pp YoY -1.0pp QoQ |
-11.3pp | 50.0% | 46.4% | 41.4% | 22% |
| 1-4 Family |
15.2%
+0.5pp YoY 0.0pp QoQ |
-11.2pp | 26.4% | 32.3% | 31.3% | 31% |
| Consumer |
8.9%
+2.0pp YoY +1.3pp QoQ |
+4.2pp | 4.7% | 2.6% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.3%
+0.3pp YoY -0.2pp QoQ |
-5.3pp | 15.6% | 15.5% | 19.7% | 2% |
| Leverage Ratio |
8.3%
+0.4pp YoY +0.1pp QoQ |
-3.0pp | 11.3% | 12.6% | 12.6% | 3% |
| Total Capital Ratio |
11.4%
+0.5pp YoY -0.2pp QoQ |
-5.3pp | 16.7% | 16.6% | 20.8% | 4% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
234
-10 (-4.1%) YoY +6 (+2.6%) QoQ |
-80 | 313 | 134 | 482 | 49% |
| Assets per Employee ($) |
$9.0M
+7.4% YoY -0.4% QoQ |
-$1.5M | $10.5M | $8.2M | $8.8M | 54% |
| Branch Count |
19
+1 (+5.6%) YoY 0 QoQ |
-1 | 20 | 9 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.4% | 0.4% | 39% |
| Nonaccrual |
0.9%
0.0pp YoY -0.1pp QoQ |
+0.1pp | 0.8% | 0.9% | 1.0% | 70% |
| Allowance Coverage |
1.21x
+6.9% YoY +10.0% QoQ |
-17.50x | 18.71x | 56.89x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.1%
-0.7pp YoY +0.1pp QoQ |
-0.2pp | 0.3% | 0.0% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+1.3pp YoY +0.7pp QoQ |
+1.3pp | 12.6% | 11.8% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.1%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.8% | 1.7% | 62% |
| Net Income ($, YTD) |
$11.0M
+24.8% YoY — QoQ |
-$8.2M | $19.2M | $7.9M | $40.4M | 44% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.