Bank · FDIC insured
Incommons Bank
A $277.6M bank headquartered in Mexia, TX, with 6 branches in Texas. Best rates: CDs 3.53% and savings 0.25% APY.
Incommons Bank Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#13 of 19 in Waco, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Incommons Bank
Incommons Bank operates six branches in Central Texas.
- Headquarters
- 301 E Commerce St, Mexia, TX 76667
- FDIC certificate
- 3342 ↗
Branches
6 branches in Texas
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Texas
6 branches
Waco area · 3
- Mart Branch714 E Texas Ave, Mart, TX 76664Directions
- Rosebud Branch339 E Main St, Rosebud, TX 76570Directions
- Waco Branch5400 Crosslake Pkwy, Waco, TX 76712Directions
Mexia area · 1
- Incommons Bank, N.A.Main office301 E Commerce St, Mexia, TX 76667Directions
Coolidge area · 1
- Coolidge Branch123 Bell Street, Coolidge, TX 76635Directions
Fairfield area · 1
- Fairfield Branch415 W Commerce St, Fairfield, TX 75840Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.20% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.41% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.60% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio10.20%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.41%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.60%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Incommons Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.