Incommons Bank, N.A. is a bank based in Mexia, Texas, established in 1882, with $282 million in total assets across 6 branches. By Trust Grade it ranks 261st of 349 banks we track in Texas. Its capital ratio of 8.6% trails most similarly sized banks (23th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.69% return on assets. No consumer complaints against Incommons Bank, N.A. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Incommons Bank, N.A. compares to Texas peers
How we graded Incommons Bank, N.A.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.6% capital ratio)
- Strongly profitable (ROA 1.69%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Incommons Bank, N.A. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 123 Bell Street, Coolidge, TX 76635
- 714 E Texas Ave, Mart, TX 76664
- 339 E Main St, Rosebud, TX 76570
- 415 W Commerce St, Fairfield, TX 75840
- 301 E Commerce St, Mexia, TX 76667
- 5400 Crosslake Pkwy, Waco, TX 76712
Are deposits at Incommons Bank, N.A. insured?
Yes. Incommons Bank, N.A. is an FDIC-insured bank (FDIC certificate #3342). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Incommons Bank, N.A.: frequently asked questions
Is Incommons Bank, N.A. a good bank?
Incommons Bank, N.A. earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.6% capital ratio); Strongly profitable (ROA 1.69%).
Is Incommons Bank, N.A. FDIC-insured?
Yes. Incommons Bank, N.A. is a FDIC-insured bank (FDIC certificate #3342). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Incommons Bank, N.A.?
Incommons Bank, N.A. holds $282 million in total assets, ranking 261st of 349 banks we track in Texas. It operates 6 branches.
Does Incommons Bank, N.A. have CFPB complaints?
No CFPB complaints against Incommons Bank, N.A. appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
