Incommons Bank

Overview / Commentary
301 East Commerce Street
Mexia, TX 76667

Incommons Bank is headquartered in MEXIA and is the 245th largest bank in the state of Texas. It is also the 2,776th largest bank in the nation. It was established in 1882 and as of March of 2023, it had grown to 55 employees at 6 locations. Incommons Bank has a B+ 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 - YTD0.37%
Return on Equity - YTD5.48%
Annual Interest Income$2.8MM
Assets and Liabilities
AssetsQ1 2023vs Q1 2022$243.8MM$216.9MM
LoansQ1 2023vs Q1 2022$171.0MM$142.5MM
DepositsQ1 2023vs Q1 2022$209.2MM$199.5MM
Equity CapitalQ1 2023vs Q1 2022$16.4MM$16.4MM
Loan Loss AllowanceQ1 2023vs Q1 2022$2.3MM$1.5MM
Unbacked Noncurrent LoansQ1 2023vs Q1 2022$309.00K$434.00K
Real Estate OwnedQ1 2023vs Q1 2022$0$0

Rates for Incommons Bank are currently being reviewed.


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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