Side-by-side · Q2 2026 data
First National Bank of Central Texas vs Incommons Bank, N.A.
Metric by metric
| Measure | First National Bank of Central Texas | Incommons Bank, N.A. |
|---|---|---|
| TellerScore | 81 (stronger) | 73 |
| Capital cushion | 58 (stronger) | 52 |
| Loan quality | 97 (stronger) | 86 |
| Earnings | 100 (stronger) | 84 |
| Funding & liquidity | 65 | 67 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 91st | 53rd |
| Total assets | $1.8B | $277.6M |
| Deposits / shares | $1.6B | $245.8M |
| Capital ratio | 10.83% (stronger) | 10.20% |
| Problem loans | 0.10% (stronger) | 0.41% |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 2.55% (stronger) | 1.60% |
| Loans ÷ deposits | 87.8% | 79.0% (stronger) |
| Uninsured deposits | 21.1% (stronger) | 28.1% |
| Offices | 8 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.8% |
First National Bank of Central Texas has the higher TellerScore (81 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Central Texas leads on 6 and Incommons Bank, N.A. on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Waco, TX
- Mart, TX