Incrediblebank
Wausau, WI · Cert 19772 · Peer group: banks $1B-$10B in assets operating regionally (n=178) · 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 61 of 178).
- Widest gap: equity / assets trails 93% of banks $1B-$10B in assets operating regionally (rank 165 of 178).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.05%
Rank 120 of 178
Net Interest Margin
3.62%
Rank 82 of 178
Efficiency Ratio
63.02%
Rank 108 of 178
Equity / Assets
7.71%
Rank 165 of 178
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.05% | 0.91% | 1.25% | 1.53% | Beats 33% | 120 / 178 | | |
| Return on Equity | 13.58% | 9.18% | 11.89% | 14.44% | Beats 66% | 61 / 178 | | |
| Net Interest Margin | 3.62% | 3.22% | 3.56% | 3.91% | Beats 54% | 82 / 178 | | |
| Efficiency Ratio | 63.02% | 52.04% | 58.90% | 67.10% | Beats 40% | 108 / 178 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.89% | 0.29% | 0.60% | 1.26% | Beats 35% | 116 / 178 | | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.10% | Beats 35% | 116 / 178 | | |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 11.19% | 12.72% | 14.14% | Beats 9% | 162 / 178 | | |
| Total Risk-Based Capital Ratio | 11.41% | 11.91% | 13.63% | 15.33% | Beats 17% | 147 / 178 | | |
| Equity / Assets | 7.71% | 9.12% | 10.35% | 11.80% | Beats 7% | 165 / 178 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.92% | 80.94% | 89.92% | 97.12% | 50th pctl | 89 / 178 | | |
| Loans / Assets | 76.07% | 69.25% | 75.52% | 80.96% | 52nd pctl | 85 / 178 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |