Incommons Bank, N.A.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Incommons Bank, N.A. of Mexia, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.50% | 1.34% | +0.16% | 63rd above |
| ROAE | 16.88% | 13.31% | +3.57% | 75th top |
| Net Interest Margin | 4.67% | 3.93% | +0.74% | 85th top |
| Efficiency Ratio | 61.90% | 61.14% | +0.76% | 48th below |
| PPNR / Avg Assets | 1.85% | 1.68% | +0.17% | 65th above |
| Yield on Earning Assets | 6.67% | 5.67% | +1.00% | 90th top |
| Cost of Funds | 2.11% | 1.88% | +0.23% | 31st below |
| Net Interest Spread | 4.13% | 3.32% | +0.81% | 88th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.18% | 0.94% | -0.76% | 66th above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.39% | 0.70% | -0.31% | 45th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.16% | -0.11% | 26th below |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 658.26% | 1538.93% | -880.67% | 76th top |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.55% | 7.33% | -1.78% | 38th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 272.97% | 1395.95% | -1122.98% | 64th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.01% | 19.50% | -4.49% | 49th below |
| Tier 1 Ratio | 15.01% | 19.54% | -4.53% | 49th below |
| Total Capital Ratio | 16.23% | 20.62% | -4.39% | 49th below |
| Leverage Ratio | 10.20% | 12.14% | -1.94% | 36th below |
| Equity / Assets | 9.15% | 11.37% | -2.22% | 30th below |
| TCE / Tangible Assets | 9.15% | 11.09% | -1.94% | 34th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 79.92% | 80.64% | -0.72% | 51st above |
| Core Deposit Ratio | 94.81% | 86.86% | +7.95% | 83rd top |
| Wholesale Funding Ratio | 1.80% | 5.03% | -3.23% | 71st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.08% | 6.85% | -0.77% | 63rd above |
| Loan Growth (Y/Y) | 1.53% | 7.90% | -6.37% | 29th below |
| Deposit Growth (Y/Y) | 10.03% | 6.29% | +3.74% | 83rd top |
See Incommons Bank, N.A.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Incommons Bank, N.A., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Incommons Bank, N.A. profile, how to read a UBPR, or how this data updates.