Incommons Bank, N.A.: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 15.01% was up 110bps from the prior quarter. Incommons Bank, N.A. is a locally rooted FDIC-insured community bank based in Mexia, TX. The bank posts a strong 1.50% ROA and 16.88% ROE. Incommons Bank's Q2 2026 balance sheet shows $278M in assets funded primarily by $246M in customer deposits. Regulatory capital is solid, 15.01% CET1 and 16.23% total risk-based capital ratio. Asset quality is pristine, 0.18% NPLs and a 5.55% Texas Ratio. 6 branches make up the footprint.
As of June 30, 2026, Incommons Bank, N.A. reported a CET1 capital ratio of 15.01%, a return on assets of 1.50%, a nonperforming-loan ratio of 0.18%, a Texas ratio of 5.55%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 301 E Commerce St, Mexia, TX 76667
- County
- Limestone
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 1, 1882
- Former names
- First National Bank of Mexia (1944-2008)
- Offices
- 6 domestic
- Employees (FTE)
- 53
- Domestic deposits
- $245.8M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $37K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3342
- Fed RSSD
- 414858
- SEC CIK
- 1720249 → filed by BI-STONE BANCSHARES, INC.
- Website
- WWW.INCOMMONSBANK.COM →
- Parent Holding Company
- BI-STONE BANCSHARES, INC. (RSSD 2227481)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.01% | 1.50% | 0.18% | 5.55% | 4.67% |
| Q1 2026 | 13.91% | 1.68% | 0.07% | 4.38% | 4.66% |
| Q4 2025 | 13.14% | 1.69% | 0.04% | 3.63% | 4.75% |
| Q3 2025 | 12.77% | 1.55% | 0.09% | 5.36% | 4.70% |
| Q2 2025 | 12.98% | 1.19% | 0.64% | 6.00% | 4.55% |
| Q1 2025 | 13.34% | 1.12% | 0.67% | 7.20% | 4.40% |
| Q4 2024 | 13.75% | 1.43% | 0.60% | 6.05% | 4.33% |
| Q3 2024 | 13.77% | 1.12% | 0.60% | 5.19% | 3.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Incommons Bank, N.A. | Mexia , TX | 76667 | $129.1M |
| Rosebud Branch | Rosebud , TX | 76570 | $40.7M |
| Fairfield Branch | Fairfield , TX | 75840 | $33.5M |
| Waco Branch | Waco , TX | 76712 | $19.2M |
| Coolidge Branch | Coolidge , TX | 76635 | $15.1M |
| Mart Branch | Mart , TX | 76664 | $8.2M |
Regulatory record
What the public regulatory sources show for Incommons Bank, N.A., each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC)
- April 20, 2010, OCC: Formal Agreement: Incommons Bank, National Association
- July 22, 2002, OCC: Formal Agreement: First National Bank of Mexia
- Period: Most recent institution action April 20, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 270 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 113 applications, 60 loans originated, $28.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Incommons Bank, N.A.
What are Incommons Bank, N.A.'s total assets?
As of the Q2 2026 filing, Incommons Bank, N.A. reported total assets of $277.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Incommons Bank, N.A. headquartered?
Incommons Bank, N.A. is headquartered in Mexia, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Incommons Bank, N.A. founded?
Incommons Bank, N.A. was established in 1882, per the FDIC institution directory.
Is Incommons Bank, N.A. FDIC-insured?
Yes. Incommons Bank, N.A. is an FDIC-insured commercial bank (FDIC Certificate #3342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Incommons Bank, N.A.?
Incommons Bank, N.A.'s primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Incommons Bank, N.A.'s CET1 capital ratio?
Incommons Bank, N.A. reported a Common Equity Tier 1 (CET1) capital ratio of 15.01% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Incommons Bank, N.A. operate?
Incommons Bank, N.A. operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Incommons Bank, N.A.'s Texas Ratio?
Incommons Bank, N.A.'s Texas Ratio is 5.55% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Incommons Bank, N.A. previously called?
The charter now named Incommons Bank, N.A. has also operated as First National Bank of Mexia (1944-2008), per FDIC structure-change records.
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