Overview / Commentary
327 North 17th Avenue
Wausau, WI 54401

IncredibleBank is headquartered in Wausau and is the 12th largest bank in the state of Wisconsin. It is also the 610th largest bank in the nation. It was established in 1967 and as of June of 2022, it had grown to 276 employees at 16 locations. IncredibleBank has a B+ health rating.

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Incrediblebank Remains Unspectacular - 8/21/2022

If any bank should change their name, it's IncredibleBank. It was once mighty with a high rate with no minimum balance requirement to speak of, of which I enjoyed their account, but for too many years now it remains one of the fallen ones, like PurePoint. It's sad, because it's really a great bank otherwise. IncredibleBank's Money Market Account is up to just 0.70% APY, and you must maintain $300,000 to get the rate. Yet, their website states that their 0.70% allows you to earn 8x the national average. Whoever updates the site is truly slacking...and hopefully they'll read this. IncredibleBank's Savings Account only pays 0.10%, and you must maintain $10,000 to get that rate. IncredibleBank has what they're calling "High-Yield Checking" on their main site pull-down menu. The rate for this is 0.05%. I'm not sure IncredibleBank knows what "High-Yield" means? Anyway, I only posted the above for maybe a slight chuckle, and to give another example of the interesting banking stories we a

Reviews (1)

Interest Rates

Posted by: |

Overall, I have been satisfied with Incredible bank, especially with the account representatives that I have talked to. My main source of disappointment has been that they do not pay accrued interest if you close the account in the middle of the month. This is mentioned on their website so shame on me for not taking it into account when considered opening the account. Several of their competitors do pay accrued interest and pay higher interest rates as well. I would recommend looking elsewhere for a bank.


Health Grade Components

FDIC Certificate #19772
Year Established1967
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.64%
Return on Equity - YTD20.43%
Annual Interest Income$34.7MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$1.78B$1.73B
LoansQ2 2022vs Q2 2021$1.28B$1.26B
DepositsQ2 2022vs Q2 2021$1.53B$1.50B
Equity CapitalQ2 2022vs Q2 2021$131.4MM$149.2MM
Loan Loss AllowanceQ2 2022vs Q2 2021$12.8MM$12.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$2.1MM$5.0MM
Real Estate OwnedQ2 2022vs Q2 2021$0$629.00K

Rates for IncredibleBank are currently being reviewed.



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