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

IncredibleBank is headquartered in WAUSAU and is the 13th largest bank in the state of Wisconsin. It is also the 584th largest bank in the nation. It was established in 1967 and as of June of 2023, it had grown to 254 employees at 17 locations. IncredibleBank has an A health rating.

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Reviews (2)

New Accounts

Very tedious process for managing accounts, especially under a business. When I open a new account whether for my business or personal, it doesn't show up on my account online or app automatically. I have to go back in to have them add it to my online accounts which takes 20+ min to print the forms. If I didn't open the account, the person who opened it also has to sign off, even if I am on it. If I want a debit card, that's another trip into the bank. These things should be handled at the time the account is opened. Tellers should be trained to ask if debit cards or checks are needed. And what good is an account I can't view? This should all be handled up front instead of having to make several trips to be able to use the account. It is also very difficult to navigate options online, like turning off paper statements which cost $5/mo (another thing they don't ask up front like they should to avoid unwanted fees) or changing the account name.

Interest Rates

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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 - YTD0.94%
Return on Equity - YTD13.46%
Annual Interest Income$46.0MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$1.95B$1.78B
LoansQ2 2023vs Q2 2022$1.40B$1.28B
DepositsQ2 2023vs Q2 2022$1.72B$1.53B
Equity CapitalQ2 2023vs Q2 2022$141.2MM$131.4MM
Loan Loss AllowanceQ2 2023vs Q2 2022$14.2MM$12.8MM
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$704.00K$2.1MM
Real Estate OwnedQ2 2023vs Q2 2022$240.00K$0

Rates for IncredibleBank are currently being reviewed.



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