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Incommons Bank

Popular Accounts at this Bank

2.00%Reward CheckingKasasa Cash
1.00%Reward SavingsKasasa Saver
1.16%5-year CD5 Year CD

Overview / Commentary
301 East Commerce Street
Mexia, TX 76667

Incommons Bank is headquartered in Mexia and is the 281st largest bank in the state of Texas. It is also the 3,456th largest bank in the nation. It was established in 1882 and as of June of 2017, it had grown to 55 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 Grade Components

FDIC Certificate #3342
Year Established1882
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.84%
Return on Equity - YTD8.89%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$155.7MM$148.3MM
LoansQ2 2017vs Q2 2016$106.6MM$105.2MM
DepositsQ2 2017vs Q2 2016$130.3MM$124.8MM
Equity CapitalQ2 2017vs Q2 2016$14.9MM$14.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$1.2MM$1.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$365.00K$293.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$24.00K
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Incommons Bank Savings Account Rates

1.00%*-$250kKasasa Saver
OTHER TIERS: 0.35% $25k+
0.01%$100-Health Savings Account

Incommons Bank Checking Account Rates

2.00%*-$10kKasasa Cash
OTHER TIERS: 0.35% $10k+
0.30%$50-Interest Checking
0.30%$50-Business Interest Checking

Incommons Bank CD Rates

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%$2,500-6 Month CD

Incommons Bank IRA Rates

0.55%$500-24 Month IRA
0.40%$500-18 Month IRA
0.30%$500-12 Month IRA

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