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Incommons Bank, N.A.

$100M-$1B Specialty: Commercial TX FDIC cert 3342

Mexia, TX

6 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +10.0% year over year ($245.8M on the books).
  • Delinquency rate 0.41%.
  • Return on assets 1.60%.
  • Efficiency ratio 60.31% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.00% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Incommons Bank, N.A. has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.28% above tier average
  • + Net Interest Margin 0.75% above tier average
  • + Efficiency Ratio 4.17% below tier average
  • + Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 38.9% in tier
Get updates when Incommons Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $277.6M
+6.1% YoY -1.7% QoQ
-$109.0M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
42%
Total Loans ? $194.2M
+1.7% YoY -3.0% QoQ
-$64.2M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $245.8M
+10.0% YoY -1.1% QoQ
-$81.0M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
44%
Return on Assets ? 1.60%
+37.5% YoY -5.2% QoQ
+0.28% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 4.74%
+4.5% YoY -0.6% QoQ
+0.75% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 13.1% in tier
Efficiency Ratio ? 60.31%
-9.0% YoY +3.9% QoQ
-4.17% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
56%
Delinquency Rate ? 0.41%
-42.6% YoY +99.5% QoQ
-0.51% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
50%
Loan-to-Deposit Ratio ? 79.00%
-7.6% YoY -2.0% QoQ
+1.04% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 19.68%
-26.3% YoY -0.9% QoQ
-2.35% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.55%
+5.5% YoY +34.3% QoQ
-0.12% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
37%
Tier 1 Capital Ratio ? 15.01%
+15.7% YoY +7.9% QoQ
-0.90% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
66%
Non-Interest Income / Assets ? 0.33%
-5.3% YoY +102.8% QoQ
-0.23% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
77%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 19.7%
-7.0pp YoY
-0.2pp QoQ
 -2.5pp 22.1% 29.2% 22.2% 44%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 8.5%
0.0pp YoY
-0.3pp QoQ
 -3.0pp 11.6% 14.8% 12.5% 44%
CRE 41.1%
-0.9pp YoY
-0.9pp QoQ
 +1.6pp 39.5% 48.4% 41.4% 56%
1-4 Family 29.1%
+2.0pp YoY
+0.9pp QoQ
 -3.5pp 32.6% 25.8% 31.3% 49%
Consumer 5.9%
+0.1pp YoY
+0.2pp QoQ
 +1.8pp 4.1% 4.7% 5.0% 82%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 15.0%
+2.0pp YoY
+1.1pp QoQ
 -3.8pp 18.8% 22.7% 19.7% 49%
Leverage Ratio 10.2%
+0.9pp YoY
+0.3pp QoQ
 -2.0pp 12.2% 12.6% 12.6% 35%
Total Capital Ratio 16.2%
+2.0pp YoY
+1.1pp QoQ
 -3.7pp 19.9% 23.8% 20.8% 50%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 53
0 YoY
0 QoQ
 -6 58 186 482 56%
Assets per Employee ($) $5.2M
+6.1% YoY
-1.7% QoQ
 -$2.3M $7.5M $10.1M $8.8M 18%
Branch Count 6
0 YoY
0 QoQ
 +1 4 12 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.3% 0.4% 70%
Nonaccrual 0.2%
-0.5pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 28%
Allowance Coverage 2.84x
+54.9% YoY
-48.7% QoQ
 -21.32x 24.15x 18.82x 20.23x 57%
Net Charge-off Rate (YTD) 0.0%
-0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 62%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 18.2%
+3.2pp YoY
-1.4pp QoQ
 +6.0pp 12.2% 13.2% 11.6% 82%
Cost of Funds (YTD) 2.1%
-0.1pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.6% 1.7% 75%
Net Income ($, YTD) $2.2M
+49.8% YoY
— QoQ
 -$337K $2.6M $15.9M $40.4M 57%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline
#64 of 162 • Bottom 38.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 19.68%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

347
Net Interest Margin
profitability
Value: 4.74%
Peer Median: 3.99%
#347 of 2643 Top 13.1% in $100M-$1B
605
Non-Interest Income / Assets
revenue_mix
Value: 0.33%
Peer Median: 0.57%
#605 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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