Side-by-side · Q2 2026 data
VeraBank, National Association vs Incommons Bank, N.A.
Metric by metric
| Measure | VeraBank, National Association | Incommons Bank, N.A. |
|---|---|---|
| TellerScore | 72 | 73 (stronger) |
| Capital cushion | 60 (stronger) | 52 |
| Loan quality | 68 | 86 (stronger) |
| Earnings | 84 | 84 |
| Funding & liquidity | 76 (stronger) | 67 |
| Problem-loan coverage | 90 (stronger) | 89 |
| Peer percentile | 66th | 53rd |
| Total assets | $4.6B | $277.6M |
| Deposits / shares | $4.0B | $245.8M |
| Capital ratio | 11.03% (stronger) | 10.20% |
| Problem loans | 0.96% | 0.41% (stronger) |
| Net charge-offs | 0.10% | 0.04% (stronger) |
| Return on assets | 1.61% (stronger) | 1.60% |
| Loans ÷ deposits | 68.8% (stronger) | 79.0% |
| Uninsured deposits | 29.0% | 28.1% (stronger) |
| Offices | 42 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 34.8% |
Incommons Bank, N.A. has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), VeraBank, National Association leads on 3 and Incommons Bank, N.A. on 4. 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
- Mexia, TX