IncredibleBank
IncredibleBank is a privately held community bank serving individuals, families, and small-to-medium businesses through 17 branches across Wisconsin, Michigan's Upper Peninsula, and Florida, plus nationwide online banking. It offers deposits, mortgages, SBA loans, and specialty motorcoach financing, with wealth management via Ameriprise.
- Company typePrivate
- Founded1967
- HeadquartersWausau, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What IncredibleBank does
IncredibleBank is a privately held community bank headquartered in Wausau, Wisconsin, founded in 1967 as River Valley Bank in Rothschild, Wisconsin, and rebranded under its current name after launching a nationwide online banking platform in 2009. The bank operates 17 physical branches across three geographic clusters — Wisconsin (including the Northwoods and Madison-area), Michigan's Upper Peninsula, and Southwest Florida (Cape Coral) — combined with nationwide digital banking through a mobile app and online platform. Its product portfolio spans personal banking (InSight and InFocus checking, savings, money market, CDs, HSAs), home lending (IncredibleMortgage covering FHA, VA, USDA, WHEDA, construction, and home equity products), specialty motorcoach financing (where the bank self-describes as the nation's leading motorcoach lender), business banking (SBA loans in the $3M-$10M range, commercial real estate, construction, floor plan lending, lines of credit, cash management), and wealth management (IncredibleWealth, powered by a partnership with Ameriprise Financial).
The bank makes money primarily through traditional community banking revenue mechanics: net interest income from its loan portfolio (mortgages, consumer loans, motorcoach, SBA, commercial real estate), deposit-related fees (monthly maintenance, wire transfers, overdrafts), and an emerging subscription revenue stream from InBalance Financial Health, a freemium credit-monitoring and identity-protection product ($8.99/month Premium tier) launched March 16, 2026. Its go-to-market blends physical branches staffed by local market managers with self-serve online account opening at open.incrediblebank.com and Enhanced ATMs at 14 locations supporting deposits, loan payments, and transfers. Customer segments are individuals/families, small-to-medium businesses, homebuyers, and motorcoach enthusiasts, with a stated hybrid segmentation approach. The bank is FDIC-insured, operates as an Equal Housing Lender, and is an SBA-approved lender, with certifications providing regulatory legitimacy.
IncredibleBank firmographics
Firmographics- Name
- IncredibleBank
- Legal name
- IncredibleBank
- Website
- https://incrediblebank.com
- Company type
- Private
- Founded year
- 1967
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- IncredibleBank is a privately held community bank serving individuals, families, and small-to-medium businesses through 17 branches across Wisconsin, Michigan's Upper Peninsula, and Florida, plus nationwide online banking. It offers deposits, mortgages, SBA loans, and specialty motorcoach financing, with wealth management via Ameriprise.
- Ownership category
- akta.pro rank
IncredibleBank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
- akta.pro secondary industries
- Treasury, Cash Management & Liquidity (SME) (FSAGAJAG), Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)
Keywords
Where IncredibleBank is headquartered
LocationHeadquarters
- HQ city
- Wausau
- HQ country
- United States
- HQ region
- North America
Offices17 records
Markets served
IncredibleBank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue from mortgage loans, personal loans, business loans, and motorcoach financing. Interest earned on loan portfolios including fixed-rate mortgages, adjustable-rate mortgages, FHA, VA, USDA, and construction loans.
- Deposit Accounts and Fees: Monthly maintenance fees on checking, savings, money market, and CD accounts. Fee income from various banking services including wire transfers, overdrafts, and ATM usage.
- Premium Banking Services: InBalance Financial Health Premium subscription at $8.99/month provides credit monitoring and identity protection services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | InBalance Financial Health Basic - Free credit and identity monitoring |
| Subscription | Monthly | InBalance Financial Health Premium - $8.99/month |
| Subscription | Monthly | InFocus Checking - 0.05% APY |
| Subscription | Monthly | Money Market Accounts - 0.25% to 2.50% APY |
| Subscription | Annual | Certificates of Deposit - 0.75% to 3.25% APY |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
IncredibleBank product offering
Product offeringCore offering
IncredibleBank operates as a community bank delivering personal and business deposit products (checking, savings, money market, CDs, HSA), a full suite of lending products (mortgages, personal loans, business/SBA/USDA loans, motorcoach/RV loans, commercial real estate, floor plan lending), cash management solutions, and wealth management via IncredibleWealth (powered by Ameriprise Financial). Distribution combines 17 physical branches across Wisconsin, Michigan's Upper Peninsula, and Florida with nationwide digital banking through online and mobile channels, including the InBalance Financial Health credit and identity monitoring add-on.
Product overview
IncredibleBank is a community bank offering a unified platform of banking products and services. The core offering spans personal banking (checking, savings, CDs, HSA), lending (mortgages via IncredibleMortgage, motorcoach loans, personal loans, credit cards), business banking (checking, money market, cash management, diverse loan products including SBA and USDA), and wealth management via IncredibleWealth (powered by Ameriprise Financial). Digital banking is delivered through mobile and online platforms with additional tools like InBalance Financial Health for credit monitoring and Enhanced ATMs for extended self-service functionality. The bank operates 17 physical locations across Wisconsin, Michigan's Upper Peninsula, and Florida, combined with nationwide digital banking reach.
Differentiator
Problem solved
Functional benefit
Products and services
- InSight Checking
- InFocus Checking
- InSight Savings
- Personal Money Market Account
- Certificates of Deposit (CDs)
- Health Savings Account (HSA)
- IncredibleMortgage
- Motorcoach Loans
- Personal Loans
- Credit Cards
- Business Checking
- Nonprofit Banking
- Business Money Market
- Cash Management Solutions
- Business Term Loans
- Commercial Construction Loans
- Commercial Real Estate Loans
- Floor Plan Lending
- Business Lines of Credit
- USDA Loans
- SBA Loans
- IncredibleWealth
- InBalance Financial Health
Quantifiable outcome
- Share Your Holidays raised $1.5 million for community food pantries
- +1 more outcomes
Companies that use IncredibleBank
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
IncredibleBank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
IncredibleBank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Ameriprise FinancialcorePowers IncredibleWealth, the bank's wealth management and financial advisory service, providing personalized investment and retirement strategies for individuals and families.
- SBA (Small Business Administration)coreIncredibleBank is a SBA-approved lender offering SBA loan products to small businesses, specializing in loans between $3 million and $10 million.
Scale indicators6 records
Recent moves10 records
Expansion highlights5 records
IncredibleBank competitors and assessment
Company assessmentDirect peers
- Stearns Bank: Minnesota-based specialty lender with deep expertise in niche commercial lending including floor plan and equipment financing. Comparable to IncredibleBank's specialty motorcoach and floor plan lending capabilities.
- Nicolet National Bank: Wisconsin-based community bank with a comparable mix of personal, business, and mortgage lending. Closely matched geographic overlap in Wisconsin and similar community-bank scale, making it the most natural head-to-head competitor.
- Bank First Corporation: Wisconsin-headquartered community bank with similar retail and commercial banking offerings. Comparable deposit-funded lending model and customer profile to IncredibleBank in the Wisconsin footprint.
- First Business Financial Services: Madison, Wisconsin-based business bank serving small and mid-size businesses with lending and treasury services. Highly comparable in its focus on SBA and SME banking across the same Wisconsin geography.
Broad incumbents
- Associated Bancorp: Largest Wisconsin-headquartered regional bank offering a full suite of personal, commercial, mortgage, and wealth services. Operates broadly across Wisconsin, Illinois, and Minnesota, directly overlapping IncredibleBank's core Wisconsin markets with significantly greater scale.
- Huntington Bancshares: Large Midwest regional bank with commercial, consumer, and SBA lending capabilities across the Great Lakes region. Competes with IncredibleBank in Wisconsin and Michigan while offering a much wider product set and digital capabilities.
- Old National Bank: Midwest-headquartered regional bank with retail and commercial banking across multiple states including Wisconsin-adjacent markets. Provides a useful comparable for multi-state community-bank operating models.
Regional players
- Lake Michigan Credit Union: Michigan-based credit union serving Michigan, including the Upper Peninsula where IncredibleBank has meaningful branch presence. Comparable retail banking and mortgage product set to IncredibleBank's Michigan UP operations.
Emerging players
- Live Oak Bank: Digital-first small business and specialty lender focused on SBA and niche verticals. Comparable to IncredibleBank in SBA lending specialization but operates with a national, branchless digital model rather than a community-bank footprint.
Others
- Ameriprise Financial: Strategic wealth management partner powering IncredibleWealth. Included as an adjacent ecosystem participant whose strategy and economics directly affect IncredibleBank's ability to cross-sell wealth products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
IncredibleBank social profiles
Digital presenceIncredibleBank compliance and trust
Trust signalCompliance3 records
IncredibleBank financial estimates
Financial estimateRevenue estimate
Valuation estimate
IncredibleBank leadership team
Management profileNumber of profiles
Profiles12 records
IncredibleBank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IncredibleBank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about IncredibleBank
What does IncredibleBank do?
IncredibleBank operates as a community bank delivering personal and business deposit products (checking, savings, money market, CDs, HSA), a full suite of lending products (mortgages, personal loans, business/SBA/USDA loans, motorcoach/RV loans, commercial real estate, floor plan lending), cash management solutions, and wealth management via IncredibleWealth (powered by Ameriprise Financial). Distribution combines 17 physical branches across Wisconsin, Michigan's Upper Peninsula, and Florida with nationwide digital banking through online and mobile channels, including the InBalance Financial Health credit and identity monitoring add-on.
Is IncredibleBank a public or private company?
IncredibleBank is a private company. It is classified as unknown and is currently operating.
When was IncredibleBank founded?
IncredibleBank was founded in 1967. It employs 101 to 250 people.
Where is IncredibleBank based?
IncredibleBank is headquartered in Wausau, United States, in the North America region.
How does IncredibleBank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are deposit Accounts and Fees and premium Banking Services.
Who are IncredibleBank's main competitors?
Direct peers on record are Stearns Bank, Nicolet National Bank, Bank First Corporation and First Business Financial Services. Broad incumbents are Associated Bancorp, Huntington Bancshares and Old National Bank. Lake Michigan Credit Union is listed as a regional player. Live Oak Bank is listed as an emerging player. Ameriprise Financial is listed as an others.
Does IncredibleBank have an API?
No public API is recorded for IncredibleBank.
What industry is IncredibleBank in?
IncredibleBank's product category is Community Banking. Its primary akta.pro industry code is FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs), with a secondary code of FSAGAJAG, Treasury, Cash Management & Liquidity (SME). Its NAICS code is 52211 and its SIC code is 6022.