Incommons Bank

301 East Commerce Street
Mexia, TX 76667
254-562-3821
www.incommonsbank.com

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Incommons Bank is headquartered in Mexia and is the 402^nd largest bank in the state of Texas. It is also the 4,949^th largest bank in the nation. It was established in 1882 and as of March of 2012, it had grown to 42 employees at 4 locations. Incommons Bank's savings rates are 2X the national average, and it boasts a 5-star health rating.

Another RCA Bites The Dust (Forum) - 12/23/2010

interest rate 3% from 1/1/11 and limit 10k from 2/1/11

Incommons Bank Drops APY From 4.25% To 3.01% Commencing Jan 3 (Forum) - 12/23/2010

In addition to the rate drop, starting Feb 1 the cap on receiving the 3.01 interest rate will drop to $10,000. Tis the season to be jolly. Ho, Ho, Ho. :-(

4.25% Reward Checking Account at Incommons Bank in Texas - Local Only - 6/12/2009

Update 12/19/09: The top rate is scheduled to fall to 4.25% APY effective January 5, 2010. This was in the small print of a holiday greetings email from the bank.Incommons Bank is offering a high yield reward checking account called In-Checking. The...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Incommons Bank Checking Account Rates

Apy	Min	Max	Product
3.01%	-	$10k	Kasasa Cash
0.01%	$1k	-	NOW Checking

Incommons Bank Savings Account Rates

Apy	Min	Max	Product
1.25%	-	$250k	Kasasa Saver
0.05%	$100	-	Passbook Savings

Incommons Bank Money Market Rates

	Apy	Min	Max	Product
	0.05%	$2,500	-	MMDA Checking

Incommons Bank CD Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
0.55%	$500	-	24 Month IRA
0.40%	$500	-	18 Month IRA
0.30%	$500	-	12 Month IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Incommons Bank, N.A.
FDIC Certificate #	3342
BankRate Report	View
Year Established	1882
Employees	42
Primary Regulator	OCC
Assets and Liabilities
Assets	$99.66 million
Loans	$64.76 million
Deposits	$87.51 million
Equity Capital	$10.03 million
Loan Loss Allowance	$1.00 million
Unbacked Noncurrent Loans	$76,000
Real Estate Owned	$264,000
Historic Data - March 2011
Assets	$100.11 million
Equity Capital	$9.62 million
Loan Loss Allowance	$1.02 million
Unbacked Noncurrent Loans	$84,000
Real Estate Owned	$21,000
Profit Margin - Quarterly
Net Interest Margin	5.09%
Return on Assets	0.95%
Return on Equity	9.21%
Interest Income	$1.26 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Incommons Bank had $340,000 in non-current loans and owned real-estate with $11.03 million in equity and loan loss allowances on hand to cover it. This gives Incommons Bank a Texas Ratio of 3.08% 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 held steady from 0.99% as of March 31, 2011 to 3.08% as of March 31, 2012, resulting in a negative change of 212.21%. This indicates that the balance sheet and financial strength for Incommons Bank has held steady in recent periods.
Deposit Growth
In the past year, Incommons Bank has decreased its total deposits by $-244,000, resulting in -0.28% 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 average.
Capitalization
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 $99.66 million in assets with $11.03 million in equity, resulting in a capitalization level of 11.07%, which is above average.