Incommons Bank
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | HOW THEY COMPARE |
|---|---|---|
| 2.00% | Reward Checking | 1.81% - National Average |
| 1.00% | Reward Savings | 0.83% - National Average |
| 1.00% | 5-year CD | 3.10% - Barclays 60 Month Online CD |
Incommons Bank is headquartered in Mexia and is the 267th largest bank in the state of Texas. It is also the 3,199th largest bank in the nation. It was established in 1882 and as of December of 2018, it had grown to 56 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 Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 3342 |
| Year Established | 1882 |
| Employees | 56 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.77% |
| Return on Equity - YTD | 8.62% |
| Annual Interest Income | $7.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $169.6MM$165.2MM |
| Loans | Q4 2018vs Q4 2017 | $117.9MM$114.5MM |
| Deposits | Q4 2018vs Q4 2017 | $141.5MM$136.4MM |
| Equity Capital | Q4 2018vs Q4 2017 | $15.3MM$14.9MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $1.2MM$1.2MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $337.00K$363.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $41.00K$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 | |
| 0.20% | $100 | - | Savings | |
| 0.01% | $100 | - | Health Savings Account (HSA) |
Incommons Bank Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | - | $10k | Kasasa Cash | ||
| OTHER TIERS: 0.35% → $10k+ | |||||
| 0.30% | - | - | Interest Checking | ||
| 0.30% | - | - | Business Interest Checking | ||
Incommons Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.10% | $1k | - | 3 Year CD | |
| 1.00% | $1k | - | 2 Year CD | |
| 1.00% | $1k | - | 5 Year CD | |
| 0.95% | $1k | - | 4 Year CD | |
| 0.90% | $1k | - | 18 Month CD | |
| 0.80% | $1k | - | 1 Year CD | |
| 0.50% | $2.5k | - | 6 Month CD |
Incommons Bank IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $500 | - | 24 Month IRA | |
| 0.90% | $500 | - | 18 Month IRA | |
| 0.80% | $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 |