Incrediblebank
Wausau, WI · Cert 19772 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · 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 65% of banks $1B-$10B in assets operating regionally (rank 61 of 176).
- Widest gap: equity / assets trails 93% of banks $1B-$10B in assets operating regionally (rank 164 of 176).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.05%
Rank 120 of 176
Net Interest Margin
3.62%
Rank 84 of 176
Efficiency Ratio
63.02%
Rank 104 of 176
Equity / Assets
7.71%
Rank 164 of 176
Non-interest income vs. expense
Unfavorable gap of $42.0M · efficiency ratio beats 41% 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% | 1.26% | 1.54% | Beats 32% | 120 / 176 | |
| Return on Equity | 13.58% | 9.26% | 11.89% | 14.46% | Beats 65% | 61 / 176 | |
| Net Interest Margin | 3.62% | 3.25% | 3.59% | 3.93% | Beats 52% | 84 / 176 | |
| Efficiency Ratio | 63.02% | 52.79% | 59.55% | 67.66% | Beats 41% | 104 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.30% | 0.64% | 1.32% | Beats 37% | 111 / 176 | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 36% | 113 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 11.15% | 12.72% | 14.15% | Beats 10% | 158 / 176 | |
| Total Risk-Based Capital Ratio | 11.41% | 11.81% | 13.63% | 15.33% | Beats 19% | 143 / 176 | |
| Equity / Assets | 7.71% | 9.16% | 10.35% | 11.80% | Beats 7% | 164 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 89.92% | 80.94% | 89.73% | 97.21% | 51st pctl | 87 / 176 | |
| Loans / Assets | 76.07% | 69.25% | 75.12% | 80.82% | 54th pctl | 81 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |