Compared with Wisconsin
8 of 21
compared fees are above the median.
7 below, 6 about the same.
About the same: within 1% of the median.
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
29th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Wisconsin median
of 21 compared; 7 below, 6 about the same
See the feesFee schedule read Oct 14, 2026
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) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Wisconsin median | Published fees above the Wisconsin 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
Service charges were 1.4% of revenue, below the 2.2% median of 869 banks with $1B to $10B in assets (29th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
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.
8 of 21 compared published fees sit above the Wisconsin median; 7 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Wisconsin medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
Wire Transfer (Domestic Out)
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.
Service-charge income fell 18% from Q3 2025 to Q2 2026, to $313K. Its share of revenue, 1.4%, is below the 2.2% median for banks with $1B to $10B in assets.
$313K
IncredibleBankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
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.
| 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.
Peer pricing snapshot
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.
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.
Call reports for IncredibleBank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| 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% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, IncredibleBank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to IncredibleBank by share.
Amounts from IncredibleBank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item · When any deposit account is closed within 90 days of opening
varies · per hour, minimum of 1 hour charged
per hour
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
per item
per item
per item
per item
per item
per item
per item
per document
per item
per item · Per annual billing cycle
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Closeout | $25Inside the U.S. middle 50% ($10 to $25 nationally) | 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 | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research | $25Inside the U.S. middle 50% ($7 to $25 nationally) | varies | per hour, minimum of 1 hour charged |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | 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) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| ATM Fee | $2Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Reorder Card Fee: Standard Debit Card Replacement | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Card Fee: Expedited Debit Card Issuance or Replacement | $35Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer Fee: Outgoing Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer Fee: Incoming Domestic | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer Fee: Outgoing International | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Wire Transfer Fee: Incoming International | $15Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashiers Check Purchase | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Non-customer Check Cashing This is at the Bank's discretion | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Check Collection | $50Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Check Processing | $10Inside the U.S. middle 50% ($10 to $26 nationally) | 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 | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | varies | No charge |
| Zelle® person to person payments | No chargeNot compared: Per-occurrence charge, not monthly | per item | No charge |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | per item | No charge |
Cash & Deposit | |||
| Coin Counting | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | 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 | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card Purchase | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Overnight Delivery Service | $50Above the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
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.
Where IncredibleBank operates, and what regulators and customers have on file.
Branch footprint
18 offices in 3 states, $1.8B in branch deposits (June 2026)
Map coming soon
We are placing each branch on the map from its address. 0 of 18 are placed so far; the map appears once most are.
Largest markets by deposits
| Outside a metro area | 10 | $991.2M |
| 5 | $646.0M | |
| 2 | $89.6M | |
| 1 | $52.6M |
Wausau, WI
12.1% of bank deposits, #3 of 17, down 3.3 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| BMO Bank National Association | 28.8% |
| Peoples State Bank | 14.8% |
| Associated Bank, National Association | 11.3% |
| AbbyBank | 6.9% |
| Nicolet National Bank | 6.7% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Wausau, WI, IncredibleBank holds 12.1% of bank deposits, #3 of 17, with 5 offices.
74 offices of 33 institutions shown.
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).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 17 institutions shown. $5.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
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.
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.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.