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Incrediblebank
Wausau, WI · FDIC Certificate #19772 · Chartered 12/0
Total assets
$2.10B
Total deposits
$1.78B
Total equity
$162.21M
Net loans
$1.58B
Branches (offices)
18
Net income (YTD)
$11.01M
Rank: #583 of 4,213 U.S. banks by assets · #15 of 153 in Wisconsin. Assets changed 3.0% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.06% |
| Return on equity | 13.87% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 7.71% |
| Tier 1 leverage ratio | 8.30% |
| Uninsured deposits (share of deposits) | 27.3% |
| Noncurrent loans (share of loans) | 0.89% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 89.0% |
| Real estate loans (share of loans) | 54.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $856.60M | 54.1% | |
| Commercial & industrial | $586.34M | 37.0% | |
| Consumer / individual | $140.35M | 8.9% | |
| Construction & development | $64.82M | 4.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.78B | $1.53B | $14.48M | $131.35M |
| Jun 2023 | $1.95B | $1.72B | $6.17M | $138.40M |
| Jun 2024 | $1.98B | $1.73B | $7.25M | $135.56M |
| Jun 2025 | $2.04B | $1.78B | $8.82M | $143.41M |
| Jun 2026 | $2.10B | $1.78B | $11.01M | $162.21M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $1.17B | 10 |
| Michigan | $522.86M | 6 |
| Florida | $89.61M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.78B.
Similar-sized banks
First Fed Bank ($2.11B) · Starion Bank ($2.10B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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