Incommons Bank

Overview / Commentary
301 East Commerce Street
Mexia, TX 76667

Incommons Bank is headquartered in MEXIA and is the 238th largest bank in the state of Texas. It is also the 2,691st largest bank in the nation. It was established in 1882 and as of December of 2023, it had grown to 54 employees at 6 locations. Incommons Bank's CD rates are 3X the national average, and it has an A health rating.

Reviews (1)

Not That Great !

Posted by: |

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.


Health Grade Components

FDIC Certificate #3342
Year Established1882
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD12.82%
Annual Interest Income$13MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$258.6MM$230.1MM
LoansQ4 2023vs Q4 2022$181.5MM$158.3MM
DepositsQ4 2023vs Q4 2022$216.8MM$203.3MM
Equity CapitalQ4 2023vs Q4 2022$17.9MM$16MM
Loan Loss AllowanceQ4 2023vs Q4 2022$2.3MM$1.5MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$368K$348K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Incommons Bank Savings Account Rates

1.50%-$100kKasasa Saver
0.01%$100-Health Savings Account (HSA)

Incommons Bank Checking Account Rates

5.00%*-$10kKasasa Cash Checking
OTHER TIERS: 0.50% $10k+
0.20%--Interest Checking
0.20%--Business Interest Checking

Incommons Bank CD Rates

2.27%$1k-1 Year CD
2.27%$1k-18 Month CD
1.00%$2.5k-6 Month CD
1.00%$1k-2 Year CD
0.95%$1k-3 Year CD
0.85%$1k-4 Year CD
0.75%$1k-5 Year CD

Incommons Bank IRA Rates

2.27%$500-12 Month IRA
2.27%$500-18 Month IRA
1.00%$500-24 Month IRA

Incommons Bank Locations
Coolidge Branch123 Bell StreetCoolidge, TX 76635
Incommons Bank, N.A.301 E Commerce StMexia, TX 76667
Fairfield Branch415 West CommerceFairfield, TX 75840
Waco Branch5400 Crosslake ParkwayWaco, TX 76712
Rosebud Branch339 Main StreetRosebud, TX 76570
Mart Branch714 East Texas AvenueMart, TX 76664

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