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Incommons Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Overview / Commentary
www.incommonsbank.com
254-562-3821
301 East Commerce Street
Mexia, TX 76667

Incommons Bank is headquartered in MEXIA and is the 233rd largest bank in the state of Texas. It is also the 2,672nd largest bank in the nation. It was established in 1882 and as of September of 2024, it had grown to 55 employees at 6 locations. Incommons Bank's CD rates are 3X the national average, and it has a B health rating.

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Health
B

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #3342
Year Established1882
Employees55
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.07%
Return on Equity - YTD14.92%
Annual Interest Income$11.8MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$263.1MM$245.6MM
LoansQ3 2024vs Q3 2023$172.8MM$173.9MM
DepositsQ3 2024vs Q3 2023$215.5MM$218.7MM
Equity CapitalQ3 2024vs Q3 2023$20.3MM$15.6MM
Loan Loss AllowanceQ3 2024vs Q3 2023$2.4MM$2.2MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$1.2MM$418K
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.50%
Our Rating
3.5  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.46%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.75%
Our Rating
4.2  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$0$100kKasasa Saver
0.25%$100-Savings
0.01%$100-Health Savings Account (HSA)

Incommons Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$10kKasasa Cash Checking
OTHER TIERS: 0.50% → $10k+
0.20%$0-Interest Checking
0.20%$0-Business Interest Checking

Incommons Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.53%$2.5k-6 Month CD
3.04%$1k-1 Year CD
3.04%$1k-18 Month CD
2.53%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.04%$500-12 Month IRA
3.04%$500-18 Month IRA
2.53%$500-24 Month IRA
Locations


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

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.