Overview / Commentary
254-562-3821
301 East Commerce Street
Mexia, TX 76667

Incommons Bank is headquartered in Mexia and is the 266th largest bank in the state of Texas. It is also the 3,188th largest bank in the nation. It was established in 1882 and as of September of 2018, it had grown to 58 employees at 6 locations. Incommons Bank has an A health rating.

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Reviews (1)

Not That Great !

Posted by: RLunder | Jul 21, 2017

I have had an account here for about 2+ years but they lowered their interest rate on Kasas cash checking about a year ago. That ruined it for me, and I began looking for other banks with higher rates and better policies.

One big issue is that if you pay a bill via their Bill Pay service, they take the money out of your account immediately while most other banks do not take the money out of your account until the payee cashed the check, or at least wait until the requested delivery date.

I have about 5 rewards checking accounts that pay a higher interest rate, but I will keep this account open since it is the only local bank I have and it's handy if I need to cash a check quickly.



Health

Health Grade Components

Overall
FDIC Certificate #3342
Year Established1882
Employees58
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.76%
Return on Equity - YTD8.56%
Annual Interest Income$5.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$171.3MM$164.0MM
LoansQ3 2018vs Q3 2017$117.6MM$110.5MM
DepositsQ3 2018vs Q3 2017$141.5MM$138.6MM
Equity CapitalQ3 2018vs Q3 2017$15.3MM$14.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.2MM$1.2MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$287.00K$273.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$167.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Incommons Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Incommons Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$250kKasasa Saver
OTHER TIERS: 0.35% $25k+
0.05%$100-Savings
0.01%$100-Health Savings Account (HSA)

Incommons Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kKasasa Cash
OTHER TIERS: 0.35% $10k+
0.30%--Interest Checking
0.30%--Business Interest Checking

Incommons Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.16%$1k-5 Year CD
1.00%$1k-4 Year CD
0.70%$1k-3 Year CD
0.55%$1k-2 Year CD
0.40%$1k-18 Month CD
0.30%$1k-1 Year CD
0.20%$2.5k-6 Month CD

Incommons Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$500-24 Month IRA
0.40%$500-18 Month IRA
0.30%$500-12 Month IRA
Locations


Incommons Bank Locations
Coolidge Branch123 Bell StreetCoolidge, TX 76635
Incommons Bank, N.A.301 East Commerce StreetMexia, TX 76667
Fairfield Branch415 West CommerceFairfield, TX 75840
Waco Branch5400 Crosslake ParkwayWaco, TX 76712
Rosebud Branch339 Main StreetRosebud, TX 76570
Mart Branch714 East Texas AvenueMart, TX 76664

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.