BlastPoint's Banking Scorecard
Incommons Bank, N.A.
Mexia, TX
6 branches across TX
Incommons Bank, N.A. has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 38.0% in tier
- + Net Interest Margin 0.84% above tier average
- + Efficiency Ratio 7.27% below tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 36.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$282.5M
+11.4% YoY
+4.2% QoQ
|
-$103.6M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
42% |
| Total Loans ? |
$200.2M
+9.6% YoY
-1.1% QoQ
|
-$55.5M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
49% |
| Total Deposits ? |
$248.5M
+12.3% YoY
+9.8% QoQ
|
-$79.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.69%
+49.4% YoY
+19.6% QoQ
|
+0.42% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
4.77%
+7.1% YoY
+1.5% QoQ
|
+0.84% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 11.6% in tier |
| Efficiency Ratio ? |
58.02%
-17.4% YoY
-8.6% QoQ
|
-7.27% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.21%
-76.4% YoY
+140.7% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
80.58%
-2.4% YoY
-10.0% QoQ
|
+3.94% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
19.86%
-26.6% YoY
-12.1% QoQ
|
-2.16% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.41%
-34.8% YoY
+20.9% QoQ
|
-0.23% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
13.91%
+4.3% YoY
+5.9% QoQ
|
-1.92% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.16%
-10.4% YoY
-77.8% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
78% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.