River Valley Bank
- Company typePrivate
- Founded1967
- HeadquartersWausau, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
River Valley Bank firmographics
Firmographics- Name
- River Valley Bank
- Legal name
- IncredibleBank
- Website
- https://rivervalleybank.com
- Company type
- Private
- Founded year
- 1967
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
River Valley Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)
Keywords
Where River Valley Bank is headquartered
LocationHeadquarters
- HQ city
- Wausau
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
River Valley Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income: Revenue generated from lending activities including personal loans, mortgages, business loans, commercial real estate, motorcoach financing, and lines of credit. Interest earned on deposits and loan portfolios.
- Banking Fees and Service Charges: Fees from checking accounts, overdrafts, wire transfers, ATM usage, and other banking services. Schedule of fees published for both personal and business accounts.
- Deposit Products: Revenue from savings accounts, money market accounts, CDs, and Health Savings Accounts through interest rate spreads and account maintenance fees.
- Cash Management Services: Business banking services including send and receive money, credit cards, and money protection services generating transaction and service fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Checking Accounts |
| Subscription | Monthly | Business Checking Accounts |
| Other | Pay-as-you-go | Loan Products |
| Subscription | Monthly | Savings and Investment Products |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
River Valley Bank product offering
Product offeringCore offering
River Valley Bank (operating as IncredibleBank) is a community bank providing personal and business deposit accounts, mortgages, consumer and commercial loans, cash management, wealth management, and specialized motorcoach financing. Services are delivered through branch locations, mobile and online banking platforms, enhanced ATMs, and direct banker relationships across Wisconsin and the broader Midwest.
Product overview
River Valley Bank operates as IncredibleBank, a full-service regional bank offering a unified portfolio of personal and business banking products. The core offerings include checking and savings accounts, mortgage products (IncredibleMortgage), wealth management (IncredibleWealth), and specialized lending such as motorcoach loans (positioned as the nation's leading motorcoach lender) and SBA loans. Digital banking services are delivered through mobile and online platforms with integrated tools like InBalance Financial Health for credit monitoring. Business services encompass cash management, commercial real estate lending, and nonprofit banking. The bank combines digital banking capabilities with local expertise through branch locations and Enhanced ATMs.
Differentiator
Problem solved
Functional benefit
Brands
- IncredibleMortgage: Home financing services including first-time homebuyer programs, purchase mortgages, construction loans, home improvement loans, and refinance options.
- IncredibleWealth
- InBalance
Products and services
- Personal Checking Accounts Everyday banking solutions including standard checking and InFocus Checking with various features for personal financial management, available to individual consumers.
- Personal Savings Account Personal savings account for growing funds with competitive interest rates, available to individual consumers.
- Money Market Account Interest-earning account with check-writing capabilities for personal banking customers.
- CDs and IRAs Certificate of deposit accounts and Individual Retirement Accounts for long-term personal savings and retirement planning.
- Health Savings Account (HSA) Tax-advantaged savings account for qualified medical expenses, available to individual consumers.
- IncredibleMortgage Comprehensive home financing including first-time homebuyer programs, purchase loans, construction loans, home improvement loans, and refinancing options for individual consumers.
- Credit Cards Personal and business credit card products for everyday spending and rewards.
- Personal Loans Unsecured loans for personal financial needs including debt consolidation and major purchases.
- Motorcoach Loans Specialized recreational vehicle financing for motorhomes, with the bank positioned as the nation's leading motorcoach lender for fast financing.
- Business Checking Business deposit accounts with features for cash management, including the ability to open eligible business accounts online.
- Business Cash Management Comprehensive cash flow management solutions for businesses including send and receive money services and money protection tools.
- Business Term Loans Fixed-term financing for business growth and operational needs.
- Commercial Construction Loans Financing solutions for commercial construction projects.
- Commercial Real Estate Loans Financing for commercial property acquisition and development.
- Floor Plan Lending Inventory financing for dealers and businesses with significant inventory needs.
- Business Line of Credit Revolving credit facility for flexible business financing needs.
- USDA Loans United States Department of Agriculture rural development loans for eligible businesses.
- Nonprofit Banking Specialized banking services tailored for nonprofit organizations.
- IncredibleWealth Wealth management and financial planning services for personal and business clients.
- InBalance Financial Health Integrated financial health platform offering credit monitoring, financial progress tracking, and identity protection features accessible through online and mobile banking.
- SBA Loans Small Business Administration-backed loan products with government guarantee, offered through partnership with the SBA.
- Mobile and Online Banking Digital banking platform with mobile app access (iOS and Android), online account management, real-time alerts, and digital banking tutorials.
- Business Savings / Money Market Business deposit accounts offering interest-bearing options for business funds.
Companies that use River Valley Bank
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
River Valley Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
River Valley Bank partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Small Business Administration (SBA)coreIncredibleBank partners with the Small Business Administration to offer SBA loan products including SBA 7(a) loans, SBA Express, and other SBA-backed financing programs. The bank displays the 'Powered by SBA' logo indicating this formal partnership. SBA loans are featured as a dedicated section in the business lending menu.
Scale indicators1 record
Recent moves6 records
Expansion highlights6 records
River Valley Bank competitors and assessment
Company assessmentRegional players
- First National Bank of Omaha: Privately held Midwestern bank with comparable community banking focus, mortgage lending strength, and SBA programs. Competes for similar customer profiles but is headquartered in Nebraska rather than Wisconsin.
Direct peers
- Bank First Corporation: Wisconsin-based community bank (Manitowoc) offering personal, business, and mortgage lending with a focus on relationship banking. Comparable size, Wisconsin-centric footprint, and SMB customer orientation.
- Associated Banc-Corp: Largest Wisconsin-based bank holding company headquartered in Green Bay, offering similar personal and business banking, mortgage, and wealth management services throughout Wisconsin and the Midwest. Closest direct comparable by geography, product mix, and customer segments.
- Nicolet Bankshares: Wisconsin community bank headquartered in Green Bay providing personal, business, and mortgage banking. Highly comparable in size, regional footprint, and community banking model targeting Wisconsin SMBs and consumers.
- Newco Financial (Coachmen/REV Group financing): Specialty motorcoach and RV floor plan financing provider serving the recreational vehicle industry. Directly comparable niche in motorcoach financing — though primarily B2B dealer floor plan lending rather than consumer loans.
Broad incumbents
- Old National Bancorp: Midwest community-focused bank with a similar hybrid model combining commercial banking, mortgage, and wealth management across multiple states. Comparable strategy but operates at meaningfully larger scale and broader geography.
- Heartland Financial (HTLF) / United Community Bancorp: Multi-state community bank holding company with operations across the Midwest offering commercial, mortgage, and consumer banking. Similar relationship-based community banking approach at a larger, more diversified scale.
- Wintrust Financial: Chicago-based community banking specialist operating a network of community banks with relationship banking focus, similar SBA, mortgage, and wealth offerings. Operates at larger scale but shares the community-banking-as-differentiation philosophy.
- U.S. Bank: One of the largest U.S. commercial banks with a significant Midwest regional banking presence including Wisconsin. Competes for similar consumer and SMB relationships but offers much broader product set, larger balance sheet, and national digital platform.
- BMO (U.S. operations): Major North American bank with significant Midwest presence (formerly BMO Harris) offering full personal and business banking, mortgage, and wealth services. Competes directly for Wisconsin customers but with national scale and broader product set.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
River Valley Bank social profiles
Digital presenceRiver Valley Bank compliance and trust
Trust signalCompliance3 records
River Valley Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
River Valley Bank leadership team
Management profileNumber of profiles
Profiles3 records
River Valley Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
River Valley Bank 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 River Valley Bank
What does River Valley Bank do?
River Valley Bank (operating as IncredibleBank) is a community bank providing personal and business deposit accounts, mortgages, consumer and commercial loans, cash management, wealth management, and specialized motorcoach financing. Services are delivered through branch locations, mobile and online banking platforms, enhanced ATMs, and direct banker relationships across Wisconsin and the broader Midwest.
Is River Valley Bank a public or private company?
River Valley Bank is a private company. It is classified as unknown and is currently operating.
When was River Valley Bank founded?
River Valley Bank was founded in 1967. It employs 251 to 500 people.
Where is River Valley Bank based?
River Valley Bank is headquartered in Wausau, United States, in the North America region.
How does River Valley Bank make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are banking Fees and Service Charges, deposit Products and cash Management Services.
Who are River Valley Bank's main competitors?
First National Bank of Omaha is listed as a regional player. Direct peers are Bank First Corporation, Associated Banc-Corp, Nicolet Bankshares and Newco Financial (Coachmen/REV Group financing). Broad incumbents are Old National Bancorp, Heartland Financial (HTLF) / United Community Bancorp, Wintrust Financial, U.S. Bank and BMO (U.S. operations).
Does River Valley Bank have an API?
No public API is recorded for River Valley Bank.
What industry is River Valley Bank in?
River Valley Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAE, Branch & In-Person Banking (Teller/ATM Networks). Its NAICS code is 52211 and its SIC code is 6022.