BanksINCOMMONS BANK, NATIONAL ASSOCIATION

INCOMMONS BANK, NATIONAL ASSOCIATION

MEXIA, TXSmallEst. Feb. 1, 1882, midnightFDIC #3342RSSD #414858OCC
Latest · 2025-12-31

INCOMMONS BANK, NATIONAL ASSOCIATION is an FDIC-insured commercial bank headquartered in MEXIA, TX, established in Feb. 1, 1882, midnight. As of 2025-12-31, the bank reported total assets of $271M and total deposits of $226M. Profitability stands at 1.71% ROA and 20.37% ROE, with a net interest margin of 4.81%. CET1 capital ratio: 13.14%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 3.26%. Operates 6 domestic branches.

Assets
$271M
Deposits
$226M
Loans
$205M
Equity
$23M

Profitability

Return on Assets (ROA)1.71%
Return on Equity (ROE)20.37%
Net Interest Margin4.81%
Yield on Assets7.01%
Cost of Funds2.23%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.21%
Texas Ratio3.26%
NPA Ratio0.31%
ACL / Loans1.08%

Capital & Liquidity

CET1 Ratio13.14%
Tier 1 Capital13.14%
Total Capital Ratio14.31%
Leverage Ratio9.53%
Loan-to-Deposit90.51%

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