Incommons Bank

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.incommonsbank.com

254-562-3821

301 East Commerce Street
Mexia, TX 76667

Incommons Bank is headquartered in MEXIA and is the 243^rd largest bank in the state of Texas. It is also the 2,736^th largest bank in the nation. It was established in 1882 and as of March of 2025, it had grown to 55 employees at 6 locations. Incommons Bank's CD rates are 5X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	3342
Year Established	1882
Employees	55
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	1.13%
Return on Equity - YTD	14.62%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$253.6MM$257.2MM
Loans	Q1 2025vs Q1 2024	$182.7MM$184.1MM
Deposits	Q1 2025vs Q1 2024	$221.3MM$219MM
Equity Capital	Q1 2025vs Q1 2024	$19.9MM$18MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$2.3MM$2.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.6MM$786K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.20%

Our Rating

3.8 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
3.00%	$0	$100k	Kasasa Saver
0.25%	$0	-	Savings
0.01%	$0	-	Health Savings Account (HSA)

Incommons Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
6.00%^*	$0	$20k	Kasasa Cash Checking
OTHER TIERS: 0.50% → $20k+
0.20%	$0	-	Interest Checking
0.20%	$0	-	Business Interest Checking

Incommons Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$2.5k	-	6 Month CD
4.20%	$1k	-	2 Year CD
4.20%	$1k	-	3 Year CD
4.15%	$1k	-	1 Year CD
4.00%	$1k	-	18 Month CD
0.85%	$1k	-	4 Year CD
0.75%	$1k	-	5 Year CD

Incommons Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.20%	$500	-	24 Month IRA
4.15%	$500	-	12 Month IRA
4.00%	$500	-	18 Month IRA

Locations

Incommons Bank Locations
Coolidge Branch	123 Bell Street	Coolidge, TX 76635
Incommons Bank, N.A.	301 E Commerce St	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

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