# INCREDIBLEBANK
WAUSAU, WI · FDIC certificate 19772 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.10B | |
| Deposits | $1.78B | |
| Loans and leases | $1.60B | |
| Total equity | $162.2M | |
| Loans / deposits | 88.96% (p55 of band) | 87.10% |
| Liquid assets / assets | 18.27% (p38 of band) | |
| Uninsured deposits / deposits | 27.27% (p38 of band) | 30.76% |
| Brokered deposits | 3.57% | |
| Wholesale funding | 9.53% (p63 of band) | |
| FHLB advances / assets | 5.97% | |
| Tier 1 leverage | 8.30% (p4 of band) | 10.50% |
| Unrealized securities loss / equity | -19.59% (p20 of band) | -7.75% |
| AOCI / equity | -0.14% (p62 of band) | |
| ROA (annualized) | 1.06% (p35 of band) | 1.26% |
| Net interest margin | 3.92% (p64 of band) | 3.70% |
| Efficiency ratio | 63.02% (p63 of band) | |
| Noncurrent loans | 0.89% (p70 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p73 of band) | |
| Reserve coverage of noncurrent | 120.63% | |
| Real estate % of loans | 54% | |
| Construction % of loans | 39.96% (p42 of band) | |
| Auto loans | $2.9M (0.18% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 234 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | charge-offs p90 |
| 2012-06 | 0 |  | reserve under noncurrent, capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | charge-offs p90 |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | reserve under noncurrent |  |
| 2013-12 | 1 |  | reserve under noncurrent |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2015-06 | 1 | capital falling | uninsured deposits leaving |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 0 |  | charge-offs p90 |
| 2017-12 | 1 | charge-offs p90 |  |
| 2018-03 | 1 | brokered >10% | charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | capital falling | brokered >10% |
| 2018-12 | 1 | charge-offs p90 | capital falling |
| 2019-03 | 1 | brokered >10% | charge-offs p90 |
| 2019-06 | 2 | wholesale funding >15% |  |
| 2019-09 | 1 |  | brokered >10% |
| 2019-12 | 2 | brokered >10% |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 0 |  | wholesale funding >15%, brokered >10%, capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | capital falling |  |
| 2023-03 | 3 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 2 | brokered >10% | capital falling, expense ratio p90 |
| 2023-09 | 1 |  | brokered >10% |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 | reserve under noncurrent | capital falling |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | reserve under noncurrent |
| 2025-03 | 1 | charge-offs p90 | securities losses >30% of equity |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-13 [IncredibleBank opening new branch in Cape Coral - Business Observer](https://news.google.com/rss/articles/CBMikwFBVV95cUxPc1Q3X3pvZkRTcnNkUkljVk9jaWNGVHZJMGtjSE1MN293MzdtZDRma3IzUUZZNWdCOUR1NG0zem45dEpIN2FkeElncVQyRVFrWGdSekRQbjhEUWljV3BjZXNyQ0lDSWRYSmM5VXRfTWhpMVM0LW42QjQyMWNVN3d1dFJMUE03WGFRYWdVeWFCQVJEWWM?oc=5) · Business Observer
- 2025-12-11 [IncredibleBank Review: Competitive Rates and Low Fees - GOBankingRates](https://news.google.com/rss/articles/CBMie0FVX3lxTFB6TW8tbEdtOER0aHQtUE5ObzRoRW1PODZ3ZTl4ek1FMjVxcUpJc3JYTDJKZnNIV2stNVlEd0JDWW5JYnJLdTJ4UEtyYkxEemg3QzdMNkFPb1UyXzZnUjVGTGhQZkozQ0dxUDVXVHUzellyQmQ4YlNzRUhpdw?oc=5) · GOBankingRates
- 2024-01-31 [IncredibleBank in Wausau celebrates completed renovation - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMiowFBVV95cUxQdThzYnBsWGxVTWpWNy1TM1hmRUItaUNSUUdKUVhIVjdfQWJQRDlzUWFSQ2NMZmVaZDhKUlFUbVcxeWo1Slk1enRGUThZRWw2R3h5Z2NEM1RKbmlHenpKSUZNaGkxMF9NN25xemgxZ09SaEw4bEsxUHE2VHZPdGNNUDBUT1d1amNWREQtYU9kZ3ZaWVA1VlB0YnhkT25zOWtEdXh3?oc=5) · Wausau Pilot & Review
- 2019-09-24 [River Valley Bank changes name, launches new brand - WSAW](https://news.google.com/rss/articles/CBMinwFBVV95cUxOMnotazJTVFRldnJmRUNRREFETkZnaUJNTXBOZXQ2X3NnN1o2aFc0b3FyTTBQR2RibkczZ3g2NWV3OWtaUmlBaHdpeUQ5NFVfa2lhVUN2b2hNdUpHRkhJZkt3TWtsYjllNjJFTTRpYk5ZMktTTDFEajN3UEVGYXp1ek9uQXVvOVhPZC1YRERhOVhrbG8xNjZBaURycmNlNVHSAbMBQVVfeXFMT1Bka3NhTldReVFNdENvd0RDT2VfaEpCenFEVW1aWDFTVVlaU0phTnRKNkdOeE12VXVNbFR2Y3ZOT1hfSE1zTEphdmhHQ3NTZE1YRUdaSEdibWxVc29qUkZWMUJFa2gySnF3ck9wd3FqZnRWS3RtdXVNc2hYWUQtY0FZcU1zTEEyMUU0Nm55SE5wdk04MjBzUEh3TmkxQVc1QmdkdDUtMFJsaURzZUpGREhUOWc?oc=5) · WSAW
- 2025-05-30 [IncredibleBank welcomes new employees - Cape Coral Breeze](https://news.google.com/rss/articles/CBMimwFBVV95cUxQZmc0Mzk5QmVQR2Q3UnllUncxQ3B5ZGFGN3lCMm1nU1JFNklZV0RjaFNPejVpN1FTOGR2U1ZtWnAwSkFsQnNpY2RLajF1cHNwb1VvOGdxZ3g2bUxMUVZRSmVrclFNNG8wUVk2UGNMYVdORjBvSjk0WnJuaEs4cjRwRDBZOXpRUHc3eExsSGdCcTI1UTByRF9MbklJYw?oc=5) · Cape Coral Breeze
- 2024-01-26 [IncredibleBank Opens Branch in Cape Coral, FL - GlobeNewswire](https://news.google.com/rss/articles/CBMitwFBVV95cUxQZXhXRktzdWQ2MjhYRE44ZzM1TmtjT2Jma25UamVqc05icnQzWHRIRENzUXRUYWtoVlVxb1A2YWk2bzBxNHBDYWNLUXFXRWh2YUxhMjhwZTNXNV9aenkxUUJoUnFmZ01UUDRETG9TU2g2MW1CbUlMM2tXNENmOXFtTC1ldTJxRExtYW9rMTQwejlBSDZUZTU4S1JCMjhWMVkyZmNYc3BjUjMwenFOa2RSeGN6amNfVUE?oc=5) · GlobeNewswire
- 2019-06-21 [River Valley Bank/IncredibleBank names new regional community bank manager – south - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNU0xydHRrSzRQZFZpS3lIVmItU09hdldCZXBtUEFMOGo5MDNjaklxbGdUZ2xVVEhFaXhkdG12VXA4NldEZVRmOU5DQ29qdmNhVXJJRE1vSWc5NWdDSlJLRDlyWjl2alJMcVVfMl96a3FYQnpFVkF4WWZHeDhFbDctYlhOTDA0RXF5WlRUVndBZEstcEQ3b3pCZjNObUlmZHNLajFvRkV5VndwVWNYN2RvdGI5Qy1GY0RzLWo5TWtRSmlTN2s?oc=5) · Wausau Pilot & Review
- 2025-08-28 [Wisconsin bank moves into SWFL with $6M investment in branches - Business Observer](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNTmU4OTdEMUd4RmVXWDZOWHZ6QW4yaW5oRmZCZHYwRUkwLUJWQThRRFNBZ0cwd1lLNElfUGh0bGh6Q1JNLVpNZV9DVjR2RjcxMXQwUWtGOUpDZTJvbDB2QmlfN21HSVZkbGY3aHp5UXhaNGtmOHBXNEEyd0lsQ05FOVM5QjZpU2NDU2x3?oc=5) · Business Observer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19772 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "19772", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide