Incrediblebank
Wausau, WI · Cert 19772 · Peer group: banks $1B-$10B in assets operating regionally (n=174) · River Valley Bcorp Inc.
State charter, non-member · FDIC · 18 branches
Q2 2026
$2.1BAssets
$1.6BLoans
$1.8BDeposits
$162.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 66% of banks $1B-$10B in assets operating regionally (rank 59 of 174).
- Widest gap: equity / assets trails 93% of banks $1B-$10B in assets operating regionally (rank 162 of 174).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.05%
Rank 120 of 174
Net Interest Margin
3.62%
Rank 79 of 174
Efficiency Ratio
63.02%
Rank 105 of 174
Equity / Assets
7.71%
Rank 162 of 174
Non-interest income vs. expense
Unfavorable gap of $42.0M · efficiency ratio beats 40% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.93% | 1.27% | 1.52% | Beats 31% | 120 / 174 | |
| Return on Equity | 13.58% | 9.26% | 11.89% | 14.41% | Beats 66% | 59 / 174 | |
| Net Interest Margin | 3.62% | 3.22% | 3.56% | 3.91% | Beats 55% | 79 / 174 | |
| Efficiency Ratio | 63.02% | 51.59% | 59.21% | 67.02% | Beats 40% | 105 / 174 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.29% | 0.60% | 1.18% | Beats 35% | 114 / 174 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 35% | 114 / 174 | |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 11.19% | 12.82% | 14.11% | Beats 9% | 158 / 174 | |
| Total Risk-Based Capital Ratio | 11.41% | 11.81% | 13.70% | 15.33% | Beats 19% | 141 / 174 | |
| Equity / Assets | 7.71% | 9.15% | 10.31% | 11.72% | Beats 7% | 162 / 174 | |
| Liquidity & Funding |
| Loans / Deposits | 89.92% | 80.93% | 90.31% | 97.12% | 49th pctl | 88 / 174 | |
| Loans / Assets | 76.07% | 69.01% | 75.52% | 80.85% | 53rd pctl | 82 / 174 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |