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Incommons Bank, N.A.
Mexia, TX · FDIC Certificate #3342 · Chartered 02/0
Total assets
$277.62M
Total deposits
$245.78M
Total equity
$25.42M
Net loans
$194.16M
Branches (offices)
6
Net income (YTD)
$2.22M
Rank: #2,577 of 4,213 U.S. banks by assets · #223 of 346 in Texas. Assets changed 6.1% and deposits 10.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.60% |
| Return on equity | 18.23% |
| Net interest margin (YTD) | 4.74% |
| Equity to assets | 9.15% |
| Tier 1 leverage ratio | 10.20% |
| Uninsured deposits (share of deposits) | 28.1% |
| Noncurrent loans (share of loans) | 0.41% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 79.0% |
| Real estate loans (share of loans) | 79.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $153.78M | 79.2% | |
| Commercial & industrial | $16.57M | 8.5% | |
| Consumer / individual | $11.40M | 5.9% | |
| Construction & development | $4.49M | 2.3% | |
| Agricultural | $15.09M | 7.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $217.35M | $201.82M | $1.24M | $14.69M |
| Jun 2023 | $250.08M | $214.57M | $814.00K | $16.10M |
| Jun 2024 | $264.66M | $220.27M | $1.35M | $18.42M |
| Jun 2025 | $261.70M | $223.37M | $1.48M | $20.37M |
| Jun 2026 | $277.62M | $245.78M | $2.22M | $25.42M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $245.78M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $245.78M.
Similar-sized banks
Fnb Bank, Inc. ($277.90M) · Bank Of The Rockies ($277.45M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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