IncredibleBank

Headquarters: Wausau, Wisconsin
Charter: Bank
Assets: $2.1B
Fed district: Chicago
Regulator: FDIC
Holding company: River Valley Bancorp Inc.

22 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for IncredibleBank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	IncredibleBank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: IncredibleBank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $313K in Q2 2026, 21% below the same quarter a year earlier ($398K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
IncredibleBank: $25
IncredibleBank: $25
U.S. median: no median
Non-Network ATM
IncredibleBank: $2
IncredibleBank: $2
U.S. median: no median
Wire Transfer (Domestic Out)
IncredibleBank: $30
IncredibleBank: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Wisconsin, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Wisconsin: Banks and credit unions headquartered in Wisconsin that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 18% from Q3 2025 to Q2 2026, to $313K.

Service-charge income, Q2 2026

$313K

$384KQ3 2025

$396KQ4 2025

$264KQ1 2026

$313KQ2 2026

Against the median

IncredibleBankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

IncredibleBank · $2.1B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$2B to $2.2B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
IncredibleBank(this institution)	Wausau, WI	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Beneficial State Bank	Oakland, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Blackhawk Bank & Trust	Milan, IL	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens National Bank of Texas	Waxahachie, TX	$2.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
First Fed Bank	Port Angeles, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
First Financial Bank	El Dorado, AR	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First National Bank	Fort Pierre, SD	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
First United Bank & Trust	Oakland, MD	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Florence Bank	Florence, MA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Gateway First Bank	Jenks, OK	$2.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kennebunk Savings Bank	Kennebunk, ME	$2.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Kish Bank	Belleville, PA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Marquette Bank	Chicago, IL	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Montecito Bank & Trust	Santa Barbara, CA	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Norway Savings Bank	Norway, ME	$2.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Oak Valley Community Bank	Oakdale, CA	$2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Opportunity Bank of Montana	Helena, MT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Square Financial Services, Inc.	Salt Lake City, UT	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Starion Bank	Bismarck, ND	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
The Conway National Bank	Conway, SC	$2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Farmers & Merchants Bank	Stuttgart, AR	$2B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
The First National Bank in Sioux Falls	Sioux Falls, SD	$2.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Lyons National Bank	Lyons, NY	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
The Village Bank	Newton, MA	$2.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Timberland Bank	Hoquiam, WA	$2.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Bank	Zebulon, GA	$2.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

IncredibleBank does not publish a monthly maintenance fee in the index.

The peer median is $7.75 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

IncredibleBank does not publish a monthly maintenance fee, so it is not on this chart.

IncredibleBankPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for IncredibleBank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $313K
vs prior quarter: +$49K+18.6%; from Q1 2026
vs a year earlier: −$85K−21.4%; from Q2 2025
vs start of range: −$126K−28.7%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: IncredibleBank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$313K	+$49K	+18.6%
Q1 2026	$264K	−$132K	−33.3%
Q4 2025	$396K	+$12K	+3.1%
Q3 2025	$384K	−$14K	−3.5%
Q2 2025	$398K	+$14K	+3.6%
Q1 2025	$384K	−$31K	−7.5%
Q4 2024	$415K	−$24K	−5.5%
Q3 2024	$439K	+$20K	+4.8%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from IncredibleBank’s own schedules, with a source for each figure.

Account Maintenance

Early Closeout$25
per item · When any deposit account is closed within 90 days of opening
Early Closeout: when any deposit account is closed within 90 days of opening$25
Account Research$25
varies · per hour, minimum of 1 hour charged
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement Fee$3
per month · if enrolled to receive statements electronically but don't access account for 9+ consecutive months, or if online banking ID inactive for 24+ consecutive months

Overdraft & NSF

Overdraft (OD)$25
per item

ATM & Card

ATM Fee$2
Reorder Card Fee: Standard Debit Card Replacement$7.50
Expedited Card Fee: Expedited Debit Card Issuance or Replacement$35
per item

Wire Transfers

Wire Transfer Fee: Outgoing Domestic$30
per item
Wire Transfer Fee: Incoming DomesticNo charge
Wire Transfer Fee: Outgoing International$50
per item
Wire Transfer Fee: Incoming International$15
per item

Check Services

Cashiers Check Purchase$5
per item
Stop Payment$30
per item
Non-customer Check Cashing This is at the Bank's discretion$5
per item
Foreign Check Collection$50
Foreign Check Processing$10
Duplicate Copies of Checks/Statements (Stmts) or Other Account Related Documents$5
Not compared: Charged per document; comparison unavailable
per document
Duplicate Copies of Checks/Statements or Other Account Related Documents$5
per item

Digital & Electronic

Bill PayNo charge
varies · No charge
Zelle® person to person paymentsNo charge
Not compared: Per-occurrence charge, not monthly
per item · No charge
Mobile DepositNo charge
per item · No charge

Cash & Deposit

Coin CountingNo charge

Account Services

Box Lock Drilling$200
Not compared: Box drilling or key fee
Key Replacement$45
Not compared: Box drilling or key fee
Late Fee: Late Payment Charge$25
Not compared: Box drilling or key fee
per item · Per annual billing cycle
Legal Action Fee: Garnishment or Levy processing$100
per item

Gift & Prepaid Cards

Gift Card Purchase$3.50
per item

Other Fees

Overnight Delivery Service$50

Fee	Amount	Basis	Note
Account Maintenance
Early Closeout	$25	per item	When any deposit account is closed within 90 days of opening
Early Closeout: when any deposit account is closed within 90 days of opening	$25	Not stated	None
Account Research	$25	varies	per hour, minimum of 1 hour charged
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement Fee	$3	per month	if enrolled to receive statements electronically but don't access account for 9+ consecutive months, or if online banking ID inactive for 24+ consecutive months
Overdraft & NSF
Overdraft (OD)	$25	per item	None
ATM & Card
ATM Fee	$2	Not stated	None
Reorder Card Fee: Standard Debit Card Replacement	$7.50	Not stated	None
Expedited Card Fee: Expedited Debit Card Issuance or Replacement	$35	per item	None
Wire Transfers
Wire Transfer Fee: Outgoing Domestic	$30	per item	None
Wire Transfer Fee: Incoming Domestic	No charge	Not stated	None
Wire Transfer Fee: Outgoing International	$50	per item	None
Wire Transfer Fee: Incoming International	$15	per item	None
Check Services
Cashiers Check Purchase	$5	per item	None
Stop Payment	$30	per item	None
Non-customer Check Cashing This is at the Bank's discretion	$5	per item	None
Foreign Check Collection	$50	Not stated	None
Foreign Check Processing	$10	Not stated	None
Duplicate Copies of Checks/Statements (Stmts) or Other Account Related Documents	$5Not compared: Charged per document; comparison unavailable	per document	None
Duplicate Copies of Checks/Statements or Other Account Related Documents	$5	per item	None
Digital & Electronic
Bill Pay	No charge	varies	No charge
Zelle® person to person payments	No chargeNot compared: Per-occurrence charge, not monthly	per item	No charge
Mobile Deposit	No charge	per item	No charge
Cash & Deposit
Coin Counting	No charge	Not stated	None
Account Services
Box Lock Drilling	$200Not compared: Box drilling or key fee	Not stated	None
Key Replacement	$45Not compared: Box drilling or key fee	Not stated	None
Late Fee: Late Payment Charge	$25Not compared: Box drilling or key fee	per item	Per annual billing cycle
Legal Action Fee: Garnishment or Levy processing	$100	per item	None
Gift & Prepaid Cards
Gift Card Purchase	$3.50	per item	None
Other Fees
Overnight Delivery Service	$50	Not stated	None

Correct a fee source

Oct 14, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where IncredibleBank operates, and what regulators and customers have on file.

Market position

In Wausau, WI, IncredibleBank holds 12.1% of bank deposits, #3 of 17, with 5 offices.

Compare fees with the 18 Wausau, WI banks and credit unions in its home-metro peer set →

Offices in the metro

74 offices of 33 institutions shown.

IncredibleBankOther banksCredit unions

Showing 74 of 75 offices: the largest institutions' offices, with banks and credit unions in proportion.

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Wausau, WI metro (FDIC metro code 48140), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 5 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1BMO Bank National Association28.8%
2Peoples State Bank14.8%
3IncredibleBank12.1%
4Associated Bank, National Association11.3%
5AbbyBank6.9%
6Nicolet National Bank6.7%
7U.S. Bank National Association4.0%
8One Community Bank4.0%

8 of 17 institutions shown. $5.4B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Wausau, WI metro (FDIC metro code 48140)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 12.1% share, 5 offices, #3 of 17

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Wausau, WI metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

36 offices of 16 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Fee change alerts

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