Incommons Bank, N.A.
Mexia, TX
IDRSSD: 414858
Total Assets
$270.98M
Latest filing
Total Deposits
$226.22M
Latest filing
Net Interest Margin
4.86%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
111903465MEXIA, TX
Key People
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Locations
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Main Office
Incommons Bank, N.A.
301 E Commerce St
Mexia, TX 76667
Full Service - Brick and Mortar
Updated 01/30/2026Established 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
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 54 |
| 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 | 01/30/2026 |
| CERT | 3342 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $270.98M |
| Total Deposits | $226.22M |
| Total Liabilities | $247.72M |
| Total Equity Capital | $23.26M |
| Net Income | $1.16M |
| Net Loans and Leases | $202.55M |
| Assets Per Employee ($Millions) | $5.11M |
| Bank Premises and Fixed Assets | $4.50M |
| Cash and Balances due from Depository Institutions | $12.47M |
| Deposits Held in Domestic Offices | $226.22M |
Key Performance Ratios
| Return on Assets (ROA) | 1.71% |
| Return on Equity (ROE) | 20.37% |
| Net Interest Margin | 4.86% |
| Efficiency Ratio | 60.21% |
| Tier 1 Risk-Based Capital Ratio | 13.142% |
| 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 | 8.585% |
| Earning Assets to total Assets | 90.94% |
Income and Expense
| Total Interest Income | $4.37M |
| Total Noninterest Income | $605.00k |
| Total Interest Expense | $1.38M |
| Total Noninterest Expense | $2.17M |
| Net Interest Income | $3.00M |
| Pre-tax Net Operating Income | $1.43M |
| Provision for Credit Losses | $4.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $750.00k |
| Other borrowed funds | $20.08M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.41M |
| Total Liabilities and Capital | $270.98M |
Securities
| Securities | $42.05M |
| Available-for-sale debt securities | $42.05M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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.?
$270.98M as of the latest filing.
How much are Incommons Bank, N.A.'s total deposits?
$226.22M in total deposits.
Where is Incommons Bank, N.A. located?
Mexia, TX.
What is the Net Interest Margin?
4.86%.
How many domestic offices does it operate?
6.
When was it established?
02/01/1882.
What is the Return on Assets (ROA)?
1.71%.
How much are total loans and leases?
$202.55M (latest filing).
What is the total interest income (latest filing)?
$4.37M.