Incommons Bank
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.00% | Reward Checking | Kasasa Cash 1.84% - National Average |
| 1.00% | Reward Savings | Kasasa Saver 0.80% - National Average |
| 1.16% | 5-year CD | 5 Year CD 2.35% - Synchrony Bank 60 Month CD |
Incommons Bank is headquartered in Mexia and is the 286th largest bank in the state of Texas. It is also the 3,497th largest bank in the nation. It was established in 1882 and as of March of 2017, it had grown to 54 employees at 6 locations. Incommons Bank has an A health rating.
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Not That Great !
I have had an account here for about 2+ years but they lowered their interest rate on Kasas cash checking about a year ago. That ruined it for me, and I began looking for other banks with higher rates and better policies.
One big issue is that if you pay a bill via their Bill Pay service, they take the money out of your account immediately while most other banks do not take the money out of your account until the payee cashed the check, or at least wait until the requested delivery date.
I have about 5 rewards checking accounts that pay a higher interest rate, but I will keep this account open since it is the only local bank I have and it's handy if I need to cash a check quickly.
Data as of Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 3342 |
| Year Established | 1882 |
| Employees | 54 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.78% |
| Return on Equity - YTD | 8.36% |
| Annual Interest Income | $1.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $154.7MM$146.3MM |
| Loans | Q1 2017vs Q1 2016 | $108.5MM$102.5MM |
| Deposits | Q1 2017vs Q1 2016 | $129.1MM$127.9MM |
| Equity Capital | Q1 2017vs Q1 2016 | $14.5MM$14.5MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $1.2MM$994.00K |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $390.00K$96.00K |
| Real Estate Owned | Q1 2017vs Q1 2016 | $272.00K$0 |
Always verify rates and promotions with the bank or credit union. We are not Incommons Bank; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Incommons Bank Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00%* | - | $250k | Kasasa Saver | ||
| OTHER TIERS: 0.35% → $25k+ | |||||
| 0.05% | $50 | - | Savings | ||
| 0.01% | $100 | - | Health Savings Account | ||
Incommons Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | - | $10k | Kasasa Cash | ||
| OTHER TIERS: 0.35% → $10k+ | |||||
| 0.30% | $50 | - | Interest Checking | ||
| 0.30% | $50 | - | Business Interest Checking | ||
Incommons Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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 | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.55% | $500 | - | 24 Month IRA | |
| 0.40% | $500 | - | 18 Month IRA | |
| 0.30% | $500 | - | 12 Month IRA |
| Incommons Bank Locations | ||
|---|---|---|
| Coolidge Branch | 123 Bell Street | Coolidge, TX 76635 |
| Incommons Bank, N.A. | 301 East Commerce Street | Mexia, TX 76667 |
| Fairfield Branch | 415 West Commerce | Fairfield, TX 75840 |
| Waco Branch | 5400 Crosslake Parkway | Waco, TX 76712 |
| Rosebud Branch | 339 Main Street | Rosebud, TX 76570 |
| Mart Branch | 714 East Texas Avenue | Mart, TX 76664 |