Side-by-side · Q2 2026 data
Classic Bank, National Association vs Incommons Bank, N.A.
Metric by metric
| Measure | Classic Bank, National Association | Incommons Bank, N.A. |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 66 (stronger) | 52 |
| Loan quality | 58 | 86 (stronger) |
| Earnings | 75 | 84 (stronger) |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 37th | 53rd |
| Total assets | $657.5M | $277.6M |
| Deposits / shares | $576.2M | $245.8M |
| Capital ratio | 11.58% (stronger) | 10.20% |
| Problem loans | 1.26% | 0.41% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 1.39% | 1.60% (stronger) |
| Loans ÷ deposits | 90.9% | 79.0% (stronger) |
| Uninsured deposits | 17.0% (stronger) | 28.1% |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.5% | 34.8% |
Incommons Bank, N.A. has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Classic Bank, National Association leads on 3 and Incommons Bank, N.A. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rosebud, TX