Incommons Bank, N.A.
Mexia, TX
IDRSSD: 414858
Total Assets
$271.07M
Latest filing
Total Deposits
$223.62M
Latest filing
Net Interest Margin
4.81%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Incommons Bank, N.A.
301 E Commerce St
Mexia, TX 76667
Full Service - Brick and Mortar
Updated 11/14/2025Established 02/01/1882FDIC Certificate 2163
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Incommons Bank, N.A. (Main) | 301 E Commerce St | Mexia, TX |
| COOLIDGE BRANCH | 123 Bell Street | Coolidge, TX |
| MART BRANCH | 714 E Texas Ave | Mart, TX |
| ROSEBUD BRANCH | 339 E Main St | Rosebud, TX |
| FAIRFIELD BRANCH | 415 W Commerce St | Fairfield, TX |
| WACO BRANCH | 5400 Crosslake Pkwy | Waco, TX |
Showing 5 of 5
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
The First National Bank of Ballinger
Ballinger, Texas
→
Assets: $260.77MΔ -0.4%
Anahuac National Bank
Anahuac, Texas
→
Assets: $259.77MΔ -0.7%
Citizens State Bank
Miles, Texas
→
Assets: $258.38MΔ -1.3%
Castroville State Bank
Castroville, Texas
→
Assets: $257.35MΔ -1.7%
First National Bank of Burleson
Burleson, Texas
→
Assets: $266.71MΔ +1.9%
Citizens Bank
Amarillo, Texas
→
Assets: $271.97MΔ +3.9%
Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 02/01/1882 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76667 |
| State and County Number | 48293 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 53 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.INCOMMONSBANK.COM |
| Data Updated | 11/14/2025 |
| CERT | 3342 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $271.07M |
| Total Deposits | $223.62M |
| Total Liabilities | $248.78M |
| Total Equity Capital | $22.29M |
| Net Income | $1.05M |
| Net Loans and Leases | $199.88M |
| Assets Per Employee ($Millions) | $5.02M |
| Bank Premises and Fixed Assets | $4.46M |
| Cash and Balances due from Depository Institutions | $14.17M |
| Deposits Held in Domestic Offices | $223.62M |
Key Performance Ratios
| Return on Assets (ROA) | 1.57% |
| Return on Equity (ROE) | 19.62% |
| Net Interest Margin | 4.81% |
| Efficiency Ratio | 61.85% |
| Tier 1 Risk-Based Capital Ratio | 12.768% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.222% |
| Earning Assets to total Assets | 90.9% |
Income and Expense
| Total Interest Income | $4.30M |
| Total Noninterest Income | $473.00k |
| Total Interest Expense | $1.39M |
| Total Noninterest Expense | $2.09M |
| Net Interest Income | $2.91M |
| Pre-tax Net Operating Income | $1.28M |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $750.00k |
| Other borrowed funds | $23.70M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.46M |
| Total Liabilities and Capital | $271.07M |
Securities
| Securities | $43.42M |
| Available-for-sale debt securities | $43.42M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Incommons Bank, N.A.?
$271.07M as of the latest filing.
How much are Incommons Bank, N.A.'s total deposits?
$223.62M in total deposits.
Where is Incommons Bank, N.A. located?
Mexia, TX.
What is the Net Interest Margin?
4.81%.
How many domestic offices does it operate?
6.
When was it established?
02/01/1882.
What is the Return on Assets (ROA)?
1.57%.
How much are total loans and leases?
$199.88M (latest filing).
What is the total interest income (latest filing)?
$4.30M.