Headquartered in Mexia, Texas, Incommons Bank, N.A. is a national bank with $277.6M in total assets and $245.8M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1882.
Based on its Q2 2026 filing, Incommons Bank, N.A. scores 73/100, which we describe as strong. That is higher than 53% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 192nd. Its strongest component is problem-loan coverage (89/100; 5.5%), and its lowest is capital cushion (52/100; 10.20%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (63 → 73), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 64 |
| Q1 2025 | 62 |
| Q2 2025 | 63 |
| Q3 2025 | 68 |
| Q4 2025 | 71 |
| Q1 2026 | 74 |
| Q2 2026 | 73 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.72% |
| Q3 2024 | 8.99% |
| Q4 2024 | 9.15% |
| Q1 2025 | 9.41% |
| Q2 2025 | 9.32% |
| Q3 2025 | 9.37% |
| Q4 2025 | 9.53% |
| Q1 2026 | 9.85% |
| Q2 2026 | 10.20% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.50% |
| Q3 2024 | 0.67% |
| Q4 2024 | 0.74% |
| Q1 2025 | 0.87% |
| Q2 2025 | 0.71% |
| Q3 2025 | 0.28% |
| Q4 2025 | 0.08% |
| Q1 2026 | 0.20% |
| Q2 2026 | 0.41% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.04% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.16% |
| Q1 2025 | 1.13% |
| Q2 2025 | 1.16% |
| Q3 2025 | 1.30% |
| Q4 2025 | 1.41% |
| Q1 2026 | 1.69% |
| Q2 2026 | 1.60% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $277.6M | 10.20% | 0.41% | 1.60% | 79.0% |
| Q1 2026 | 74 | $282.5M | 9.85% | 0.20% | 1.69% | 80.6% |
| Q4 2025 | 71 | $271.0M | 9.53% | 0.08% | 1.41% | 89.5% |
| Q3 2025 | 68 | $271.1M | 9.37% | 0.28% | 1.30% | 89.4% |
| Q2 2025 | 63 | $261.7M | 9.32% | 0.71% | 1.16% | 85.5% |
| Q1 2025 | 62 | $253.6M | 9.41% | 0.87% | 1.13% | 82.5% |
| Q4 2024 | 64 | $247.8M | 9.15% | 0.74% | 1.16% | 78.1% |
| Q3 2024 | 63 | $263.1M | 8.99% | 0.67% | 1.07% | 80.2% |
| Q2 2024 | 63 | $264.7M | 8.72% | 0.50% | 1.04% | 84.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| PrimeBank of TexasBank Austin, TX | 79 out of 100, Strong | $279.7M | 11.7% | 0.00% | vs |
| The First National Bank of BallingerBank Ballinger, TX | 81 out of 100, Strong | $275.3M | 10.5% | 0.03% | vs |
| The Jacksboro National BankBank Jacksboro, TX | 83 out of 100, Strong | $283.2M | 11.4% | 0.01% | vs |
| Victory BankBank Lubbock, TX | 77 out of 100, Strong | $284.8M | 12.1% | 0.05% | vs |
| Citizens State BankBank Miles, TX | 75 out of 100, Strong | $270.1M | 10.7% | 0.44% | vs |
| Farmers and Merchants BankBank De Leon, TX | 85 out of 100, Very strong | $269.8M | 12.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Incommons Bank, N.A.?
Yes. Incommons Bank, N.A. is an FDIC-insured institution (FDIC certificate #3342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.1% of deposits ($69.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.20%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.23% (benchmark: 10%).
6 locations
Branches
Incommons Bank, N.A. lists 6 offices in 6 cities. Most locations:
- Coolidge, TX (1)
- Fairfield, TX (1)
- Mart, TX (1)
- Mexia, TX (1)
- Rosebud, TX (1)
- Waco, TX (1)
HMDA 2025
Mortgage lending
In 2025, Incommons Bank, N.A. reported 113 home-loan applications under HMDA (LEI 549300GXMSA3UUO46130): 60 originated ($28,280,000 total), 32 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Incommons Bank, N.A.
- Former names
- First National Bank of Mexia; The Prendergast-Smith National Bank of Mexia
- Type
- National bank
- FDIC certificate #
- 3342
- RSSD ID
- 414858
- Primary regulator
- OCC
- Holding company
- Bi-Stone Bancshares Inc
- Established
- February 1, 1882
- Headquarters
- 301 E Commerce St, Mexia, TX 76667
- Website
- www.incommonsbank.com
- Employees
- 53
Quick answers
Incommons Bank, N.A.: common questions
Is Incommons Bank, N.A. FDIC insured?
Yes. Incommons Bank, N.A. is an FDIC-insured institution (FDIC certificate #3342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Incommons Bank, N.A.'s TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Incommons Bank, N.A. ever failed?
There is no failure record for FDIC certificate #3342 in the FDIC failed bank list.
How many branches does Incommons Bank, N.A. have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mexia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Centex Citizens Credit UnionCredit union Mexia, TX | 89 out of 100, Very strong | $118.9M | 17.2% | 0.44% | vs |
| First National Bank of Central TexasBank Waco, TX | 81 out of 100, Strong | $1.8B | 10.8% | 0.10% | vs |
| Farmers State BankBank Groesbeck, TX | 79 out of 100, Strong | $196.0M | 9.4% | 0.04% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
| Freestone Credit UnionCredit union Teague, TX | 73 out of 100, Strong | $77.3M | 10.3% | 0.10% | vs |
| VeraBank, National AssociationBank Henderson, TX | 72 out of 100, Strong | $4.6B | 11.0% | 0.96% | vs |