Incrediblebank (FDIC #19772): Bank Stress & Real-Estate Credit Exposure
Incrediblebank (FDIC Cert #19772): bank stress 77/100, severe, STABLE over 7 days; parent RIVER VALLEY BCORP INC.
Incrediblebank (#19772) lends in 10 counties across 3 states; Incrediblebank (#19772) reaches 189 ZIP codes: Wisconsin 5 counties, 100 ZIPs; Michigan 4 counties, 52 ZIPs; Florida 1 county, 38 ZIPs.
Incrediblebank (#19772) largest markets: Dane County, WI (46 branches, 46 ZIPs) (#19772), Lee County, FL (76 branches, 38 ZIPs) (#19772), Marathon County, WI (145 branches, 29 ZIPs) (#19772), Houghton County, MI (40 branches, 20 ZIPs) (#19772), Marquette County, MI (30 branches, 15 ZIPs) (#19772), Oneida County, WI (14 branches, 14 ZIPs) (#19772).
Incrediblebank (#19772) reports $2.10 billion in total assets; Incrediblebank (#19772) equity $162.2 million (7.7% of Incrediblebank (#19772) assets); Incrediblebank (#19772) domestic deposits $1.78 billion; Incrediblebank (#19772) net income $11.0 million; Incrediblebank (#19772) return on assets 1.06%; Incrediblebank (#19772) return on equity 13.87%; Incrediblebank (#19772) net interest income $37.4 million; Incrediblebank (#19772) call report June 30, 2026.
Incrediblebank (#19772) noncurrent real-estate loans 0.11% of its book; Incrediblebank (#19772) residential 0.20%; Incrediblebank (#19772) net charge-offs on real estate 0.95%; Incrediblebank (#19772) residential charge-offs 1.50%.
Incrediblebank (#19772) net interest margin 3.92% against an eight-quarter Incrediblebank (#19772) average of 3.68% (Incrediblebank (#19772) compression -0.24 points); Incrediblebank (#19772) real-estate loans 10.7% of equity; Incrediblebank (#19772) non-residential real estate 149.8% of equity; Incrediblebank (#19772) rate-exposure score 40/100, Incrediblebank (#19772) fixed-rate trap 40/100; Incrediblebank (#19772) risk type credit driven; Incrediblebank (#19772) rate regime rates elevated, Incrediblebank (#19772) snapshot October 20, 2026.
Incrediblebank (#19772) stress score moved from 77.2 on June 22, 2026 to 77.4 on October 20, 2026; Incrediblebank (#19772) ranged 77.2 to 77.4 over 117 snapshots.
Incrediblebank (#19772) alerts: 10 counties; top Incrediblebank (#19772) alert scores: Marquette County, WI 27 (low); Cape Coral County, WI 26 (low); Eagle River County, WI 26 (low); Houghton County, WI 26 (low); Iron Mountain County, WI 26 (low).