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301 East Commerce Street
Mexia, TX 76667

Incommons Bank is headquartered in Mexia and is the 367th largest bank in the state of Texas. It is also the 4,539th largest bank in the nation. It was established in 1882 and as of March of 2014, it had grown to 46 employees at 4 locations. Incommons Bank's savings rates are 92% higher than the national average, and it has a A health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Incommons Bank had $346,000 in non-current loans and owned real-estate with $11.68 million in equity and loan loss allowances on hand to cover it. This gives Incommons Bank a Texas Ratio of 2.96% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Incommons Bank experienced no significant changes from 2.17% as of March 31, 2013 to 2.96% as of March 31, 2014, resulting in a negative change of 36.77%. This indicates that the balance sheet and financial strength for Incommons Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Incommons Bank has increased its total deposits by $3.21 million, resulting in 3.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Incommons Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Incommons Bank has $107.83 million in assets with $11.68 million in equity, resulting in a capitalization level of 10.83%, which is above average.

Institution Statistics

FDIC Certificate #3342
Year Established1882
Primary RegulatorOCC
Assets and Liabilities
Assets$107.83 million
Loans$69.39 million
Deposits$88.60 million
Equity Capital$10.73 million
Loan Loss Allowance$946,000
Unbacked Noncurrent Loans$346,000
Real Estate Owned$0
Historic Data - March 2013
Assets$99.04 million
Equity Capital$10.28 million
Loan Loss Allowance$932,000
Unbacked Noncurrent Loans$346,000
Real Estate Owned$175,000
Profit Margin - Quarterly
Net Interest Margin4.79%
Return on Assets1.02%
Return on Equity10.17%
Interest Income$1.21 million

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Incommons Bank Savings Account Rates

1.00%-$250kKasasa Saver - Qualifying
0.05%$100-Passbook Savings
0.05%--Kasasa Saver - Non Qualifying

Incommons Bank Money Market Rates

0.05%$2,500-MMDA Checking

Incommons Bank Checking Account Rates

2.50%-$10kKasasa Cash - Qualifying
0.05%--Kasasa Cash - Non Qualifying
0.01%$1k-NOW Checking

Incommons Bank CD Rates

1.16%$1k-5 Year CD
1.00%$1k-4 Year CD
0.70%$1k-3 Year CD
0.55%$1k-2 Year CD
0.40%$1k-18 Month CD
0.30%$1k-1 Year CD
0.20%$2,500-6 Month CD

Incommons Bank IRA Rates

0.55%$500-24 Month IRA
0.40%$500-18 Month IRA
0.30%$500-12 Month IRA

Incommons Bank Locations
Coolidge Branch123 Bell StreetCoolidge, TX 76635
Incommons Bank, N.A.301 East Commerce StreetMexia, TX 76667
Fairfield Branch415 West CommerceFairfield, TX 75840
Waco Branch5400 Crosslake ParkwayWaco, TX 76712